Credit cost normalization
Current credit costs at 49 bps are below historical mean of ~80-100 bps; reversion could pressure profitability.
HDFCBANK / Q2-FY24 / risks
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HDFC Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Margin compression from excess liquidity
The 25 bps drag from ICRR and debt-funded liquidity may persist longer than expected, delaying NIM recovery.
Non-retail NPA slippage from HDFC Ltd book
Though management downplays risk, the inherited non-retail book has some tail risk of further slippage.