Margin pressure from rising deposit costs
Cost of deposits rose ~20bps QoQ, and further repricing could compress NIM if asset yields do not keep pace.
KOTAKBANK / Q2-FY24 / risks
Keep the risk register visible.
Kotak Mahindra Bank · Material risks, their source context, and severity in the latest available quarter.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Risk intelligence
Material risks this quarter
high
CASA ratio decline may persist
CASA ratio fell to 48.3% as customers shift to term deposits; management noted industry-wide SA challenges but no clear recovery timeline.
Unsecured loan delinquencies could rise
While management downplayed risks, analysts flagged potential stress in unsecured loans; management acknowledged slight elevation in 90+ days card delinquencies.