Rising bulk deposit rates
Bulk deposit rates have increased by 20-30 bps post-December, potentially pressuring NIM if not offset by asset repricing.
INDIANB / Q3-FY26 / risks
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Indian Bank · Material risks, their source context, and severity in the latest available quarter.
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Risk intelligence
Material risks this quarter
medium
ECL provisioning impact
Implementation of ECL norms could require significant additional provisions; management aims to absorb within one year but quantum uncertain.
Q4 slippage uptick
Historical trend of higher slippages in March due to branch audits may increase credit cost temporarily.
Geopolitical/tariff impact on export-oriented customers
While management sees minimal direct exposure, global trade disruptions could indirectly affect MSME and corporate clients.