Prolonged RBI restrictions on digital onboarding
The RBI order stopping digital customer acquisition and credit card issuance could last longer than expected, impacting growth and market share.
KOTAKBANK / Q4-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
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Unsecured loan asset quality normalization
Slippages in unsecured loans have inched up; a sharper-than-expected deterioration could pressure credit costs.
CASA erosion and deposit cost pressure
CASA ratio declined to 45.5% and deposit costs are rising; continued pressure could compress NIMs.
Management transition and talent retention
Recent senior-level departures, including the group president, raise questions about bench strength and execution continuity.