Microfinance asset quality deterioration
30-90 DPD in microfinance rose to 4% and net slippages increased; further stress could push credit costs above guidance.
INDUSINDBK / Q2-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
high
Contingent provision timing questioned by analysts
Analysts questioned the rationale for creating a large contingent provision in an already weak quarter, suggesting it may signal deeper concerns.
NIM compression from low LDR and high-yield asset degrowth
NIM fell to 4.08% due to microfinance degrowth and deposit growth; if high-yield assets don't recover, margins may stay low.
Elevated credit card delinquencies
Credit card NPL flows remain elevated at 7-8% with no improvement, though management says they have stabilized.