Retail CV segment stress
Management continues to cautiously monitor the retail commercial vehicle segment, which has shown elevated stress; tighter underwriting and reduced disbursements are in place.
KOTAKBANK / Q3-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
Hardening of term deposit rates
CFO noted that term deposit rates have inched up in early January, and liquidity tightening could pressure cost of funds in Q4.
ECL provisioning impact
Draft ECL circular could require additional provisions; management estimates impact at less than 2% of net worth, but final circular may differ.
Fee income growth lagging loan growth
Core fee income growth has been weaker than loan growth; management attributes it to muted credit card fees and expects gradual improvement.