Retail unsecured credit cost increase
Credit costs in retail unsecured portfolios are rising, though still within internal risk benchmarks. Further deterioration could pressure earnings.
AXISBANK / Q1-FY25 / risks
Keep the risk register visible.
Axis Bank · Material risks, their source context, and severity in the latest available quarter.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Risk intelligence
Material risks this quarter
medium
Deposit growth constraint on advances
Management flagged deposit growth as a key constraint for loan growth in the near term, which could limit balance sheet expansion.
Lower recoveries in wholesale book
55% of the increase in net credit cost was due to lower recoveries and upgrades in the wholesale segment, which are episodic and may not materialize as expected.
Linked account slippages distorting asset quality
32% of gross slippages were from linked accounts, which may inflate reported stress; resolution timing is uncertain.