Urban B2C collection efficiency still weak
Despite lower default rates, collection efficiency in urban B2C remains below normal, and management expects this segment to take the longest to normalize.
BAJFINANCE / Q3-FY25 / risks
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Bajaj Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Two-wheeler portfolio deterioration
The two-wheeler and three-wheeler portfolio is classified as 'amber' with Stage 2 rising from 3.83% to 5.53% YoY, though part of the degradation is due to portfolio degrowth.
Pricing pressure across lending segments
Management acknowledged that pricing pressure has intensified as credit growth slows, which could compress NIMs if not offset by operating leverage.
Economic slowdown risk
Management flagged that high-frequency data shows the economy slowing, which could worsen asset quality and delay credit cost recovery.