Margin pressure from deposit rate hikes
Management raised deposit rates ahead of peers, and CFO noted cost of funds may have bottomed, potentially compressing NIMs in coming quarters.
AUBANK / Q4-FY26 / risks
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AU Small Finance Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Geopolitical and macro headwinds
Geopolitical tensions in West Asia could impact fuel prices, inflation, and consumption, with second-order effects on credit quality.
ECL norms impact post universal bank transition
RBI's expected credit loss norms, applicable after universal bank transition, could increase provisioning requirements, though management says it's too early to quantify.
Slowdown in home loan growth
Home loan book remained flat due to intense competition; management indicated they will not chase growth irrationally, which may cap overall loan growth.