Sustained deposit cost pressure
Deposit costs remain elevated and may not taper quickly, potentially capping NIM expansion.
FEDERALBNK / Q2-FY24 / risks
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Federal Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
high
Normalization of credit costs from high-yield businesses
As the bank grows unsecured and higher-yield loans, credit costs could rise from current low levels.
Cost-to-income ratio may not improve as guided
Volume-related costs and partner-led businesses could keep cost-to-income elevated, delaying the 50% target.