Rising deposit costs and margin pressure
Cost of deposits increased 114bps YoY and 28bps QoQ; management expects further increases though pace may moderate.
AXISBANK / Q1-FY24 / risks
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Axis Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Seasonal rural slippages in H1
Rural slippages typically occur in May-November cycle, impacting Q1 and Q3 asset quality.
Integration cost overrun or delays
Citi integration expenses of INR 2,000 crore may be upfronted; any delays could affect cost trajectory.
Competitive pressure on loan pricing
Management acknowledged competitive market for loans, which could cap yield improvements.