Retail CV stress persists
Stress in the retail commercial vehicle segment continues, with management expecting elevated credit costs for a few more quarters.
KOTAKBANK / Q2-FY26 / 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
Further repo rate cuts could pressure NIM
If the RBI cuts rates further, NIM improvement may be delayed as deposit repricing benefits could be offset.
Slow unsecured book rebuild
Credit card book declined 7% despite embargo lift; management is cautious on ramping up, which may delay revenue growth.