Deposit competition pressuring margins
Intense competition for deposits may increase cost of funds, compressing NIMs despite asset mix improvements.
KOTAKBANK / Q3-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
high
RBI risk weight guidelines impact on unsecured lending
RBI's increased risk weights on personal loans and NBFC loans could slow growth or require higher pricing, affecting volumes.
Credit card delinquencies from customer leverage
Management noted emerging risks in credit cards due to customer leverage buildup, though currently under control.
Treasury MTM volatility from OIS swaps
The bank's bond swap strategy led to INR 168 crore MTM loss this quarter; similar volatility could recur.