Margin compression from rapid repo rate cuts
If repo rates are cut quickly, asset yields reprice faster than deposit costs, potentially squeezing NIMs in the short term.
HDFCBANK / Q4-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
Global trade uncertainty impacting corporate demand
Management noted that global trade tariffs and volatility may impact corporate investment and loan demand, leading to a wait-and-watch stance.
PSL shortfall in SMF and weaker sections
The bank remains ~1% short on priority sector lending sub-targets for small/marginal farmers and weaker sections, requiring inorganic purchases or RIDF deployment.