Rising stress in credit card portfolio
Management acknowledged stress building in cards, with 30+ dpd at 7%, expecting elevated flows for the next two quarters.
INDUSINDBK / Q1-FY25 / risks
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IndusInd Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Microfinance asset quality concerns
Analysts questioned rising NPAs in microfinance; management attributed it to lower disbursements and seasonal factors, but slippages remain elevated.
Impact of RBI's draft LCR guidelines
New draft guidelines could increase liquidity requirements, with an estimated 4-5% impact on the bank, potentially affecting margins.
Penal interest circular impact
RBI's penal interest circular will reduce fee income by INR 30-40 crore per quarter, partially offset by yield adjustments.