Margin compression from deposit repricing
NIM declined sequentially due to lagged impact of term deposit rate increases; further moderation expected in coming quarters.
ICICIBANK / Q2-FY24 / risks
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ICICI Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
Unsecured loan stress in industry
Analysts raised concerns about rising delinquencies in small-ticket unsecured loans; management downplayed risk for ICICI due to focus on upper segments.
Competitive pressure on loan pricing
Management acknowledged intense competition across mortgages, personal loans, and corporate lending, which could pressure yields.
Regulatory penalty on cross-selling
RBI imposed a fine for non-compliance related to cross-selling of non-financial products in 2020-21; corrective actions taken.