NIM compression from competitive pricing
Intense competition in corporate and mortgage lending is pressuring yields, while deposit costs remain elevated, potentially compressing NIMs further.
ICICIBANK / Q1-FY25 / risks
Keep the risk register visible.
ICICI Bank · Material risks, their source context, and severity in the latest available quarter.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Risk intelligence
Material risks this quarter
high
Normalization of credit costs from lower recoveries
Recoveries from past NPA pools are slowing, which could lead to a gradual increase in credit costs from current low levels.
Impact of LCR guidelines on deposit and loan growth
Revised LCR guidelines could tighten deposit markets and constrain loan growth, though management is still assessing the impact.
Seasonal spike in KCC NPAs
Kisan Credit Card portfolio sees higher NPA additions in Q1 and Q3, which could cause volatility in asset quality metrics.