Regulatory uncertainty on LCR and AIF provisions
Draft RBI circulars on LCR and AIF provisioning could impact liquidity requirements and capital adequacy; final guidelines are awaited.
HDFCBANK / Q2-FY25 / risks
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HDFC Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Margin pressure from elevated liquidity buildup
Higher LCR (128%) and excess liquidity may depress near-term margins, though management views this as temporary.
Credit risk in unsecured and priority sector loans
Analysts raised concerns about potential asset quality deterioration in unsecured and priority sector lending; management downplayed risks citing calibrated growth.
Sticky deposit rates and competitive pressure
Deposit rates remain elevated due to credit growth outpacing deposit growth, pressuring margins; management noted limited pricing power in wholesale lending.