Global trade and tariff uncertainties
Management flagged risks from global trade/tariff arrangements and geopolitical issues that could impact the business environment.
KOTAKBANK / Q4-FY25 / 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
Microfinance stress may be structural
Management noted uncertainty whether microfinance industry changes are cyclical or structural, which could require business model changes.
Credit card portfolio vintages carry higher risk
CFO acknowledged that Kotak's credit card book is newer than peers, naturally carrying higher delinquencies, which may persist.