NIM compression from rate cuts
Further repo rate cuts could compress NIMs despite management's agile measures; MD acknowledged challenge in maintaining current NIM.
FEDERALBNK / Q4-FY25 / 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
MFI portfolio slippages
Aggregate slippages have inched up due to MFI portfolio stress; management remains cautious and has not resumed growth in this segment.
Stickiness of year-end CASA
Analyst raised concern that year-end CASA growth may not be sticky; MD acknowledged some year-end effect but cited fundamental improvement in acquisition.
OpEx pressure from branch expansion
Q4 OpEx was elevated due to branch openings; while management expects normalization, continued investment may keep cost-income ratio elevated.