Unsecured retail slippages
Personal loan and credit card portfolios have seen increased delinquencies over the past six quarters; management has taken corrective actions but trend may persist.
ICICIBANK / Q3-FY25 / 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
NIM compression from deposit cost
Cost of deposits rose to 4.91% from 4.88% sequentially, and NIM declined 18bps YoY; further pressure could impact profitability.
Business banking credit risk
Analyst questioned what could go wrong in business banking; management cited granularity and collateral but acknowledged need for tight monitoring.