Deposit cost pressure and margin compression
Rising cost of deposits and tight liquidity could compress NIMs, though management aims to protect ROA through other income and efficiency.
FEDERALBNK / Q3-FY24 / risks
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Material risks this quarter
medium
Regulatory impact from AIF provisioning
The bank has exposure to AIF and awaits regulatory clarity; potential provisioning could impact earnings in Q4.
Structural shift in NR deposit behavior
Post-COVID, NR customers are allocating more to investments abroad, reducing deposit inflows; the bank is adapting but faces headwinds.
Wage revision and pension costs
Employee expenses rose due to wage revision catch-up (~INR 50+ crore); future pension provisions remain uncertain and could add costs.