Regulatory restriction on co-branded credit cards
RBI paused the co-branded credit card partnership; corrective actions are underway but timeline for resumption is uncertain.
FEDERALBNK / Q4-FY24 / 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
Elevated cost of deposits
Cost of funds continues to rise due to competitive deposit market and structural shift in NRI flows, pressuring NIMs.
Modest yield expansion relative to peers
Loan yields have increased only ~150 bps since rate hikes began, lagging peers, partly due to conservative risk appetite.
Succession risk at top management
MD & CEO Shyam Srinivasan's term ends in five months; board is searching for a successor, creating leadership uncertainty.