Interest rate hardening could pressure NIMs
Rising interest rates may increase borrowing costs, partially offsetting benefits from lower-cost debt replacement.
AYEFINANCE / Q4-FY26 / risks
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Material risks this quarter
medium
Credit cost normalization may be slower than expected
Despite improving collection efficiency, the NPA bulge from earlier slippages could delay credit cost reduction.
Geopolitical risks from West Asia could impact micro-enterprises
Escalation in West Asia may disrupt local businesses, though management believes their customer segment is insulated.