Geopolitical tensions impacting inflation and rates
Management noted geopolitical tensions pose risk to food and commodity prices, keeping policy rates higher for longer.
AXISBANK / Q4-FY24 / risks
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Material risks this quarter
medium
Deposit growth constraint on advances
Management acknowledged deposit growth could be a key constraint to advances growth in the short term, as system deposit growth lags credit growth.
Regulatory scrutiny on tech and KYC
Analyst raised concerns about RBI actions on tech deficiencies; management declined to disclose specific communications but emphasized investments in resilience.
Unsecured retail asset quality
Analyst questioned asset quality in cards and unsecured loans; management said they remain within guardrails but are closely monitoring early risk indicators.