Elevated cost-to-income ratio from investments
Management acknowledged higher cost-to-income due to branch expansion, technology investments, and rising people costs; expects improvement over few quarters.
INDUSINDBK / Q4-FY24 / 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
Credit card slippages may persist near-term
Analyst raised concern about elevated consumer slippages; management noted credit card slippages are stabilizing but resolution rates are low, expecting decline in two quarters.
Deposit repricing pressure on margins
Cost of deposits may continue to rise due to shift from savings to term deposits and regulatory changes impacting current account floats.
Geopolitical risks impacting inflation and rates
Analyst raised geopolitical tensions; management acknowledged potential impact on inflation and oil prices, but expressed confidence in maintaining portfolio quality.