Unsecured retail portfolio stress
Potential increase in slippages from credit cards and personal loans, though management believes it remains manageable.
FEDERALBNK / Q1-FY25 / risks
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Federal Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Regulatory overhang on co-branded credit cards
RBI embargo on co-branded cards continues; clearance expected by Q2/Q3 but uncertainty remains.
Cost-income ratio remains elevated
C/I ratio at ~53% due to investments in technology and branches; target of 50% may take longer.