Unsecured retail growth slowdown
Personal loans and credit card portfolios grew only 1.4% and 1.5% YoY respectively, reflecting systemic softness and cautious underwriting.
ICICIBANK / Q1-FY26 / risks
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ICICI Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Margin compression from repo rate cuts
Full transmission of 50 bps repo cut in June will pressure NIM in Q2, though partially offset by lower deposit costs.
Potential asset quality normalization in business banking
Rapid growth in business banking (29.7% YoY) may lead to higher credit costs as portfolio matures.