Geopolitical fallout on growth
Management noted that geopolitical tensions could impact loan demand and asset quality, though no alarm bells yet.
HDFCBANK / Q4-FY26 / 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
NIM compression from deposit mix shift
Shift towards higher-cost time deposits (15.5% growth vs total 14.4%) and slower repricing of deposits could pressure NIM.
Third-party fee income slowdown
Third-party distribution fee growth was only 3.5% due to lower volumes and unfavorable product mix, indicating cross-sell challenges.