Normalization of credit costs
Credit costs are normalizing from historically low levels, with potential increase as unsecured portfolio mix rises.
KOTAKBANK / Q1-FY24 / risks
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Kotak Mahindra Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Margin compression from competitive pricing
Intense competition in wholesale lending is causing spread compression, which could pressure NIMs.
Attrition in junior management
High attrition (~50%) in junior management (sales, service, call center) could increase employee costs and impact operations.
Impact of monsoon on tractor and agri portfolio
Uneven monsoon distribution could affect demand and collections in tractor and agri finance segments.