Geopolitical tensions and West Asia crisis
The West Asia crisis and Strait of Hormuz disruptions could impact supply chains, oil prices, and inflation, potentially affecting credit quality at the lower end.
KOTAKBANK / Q4-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
high
Below-normal monsoon risk
IMD's forecast of a below-normal monsoon due to El Niño could stress rural income and impact asset quality in tractor and microfinance portfolios.
NIM compression from rising TD rates
The bank has increased term deposit rates (peak 6.8%) to lock in longer-tenure deposits, which could pressure NIMs in the second half of FY27.
Panchkula branch investigation
An ongoing law enforcement investigation into a Panchkula branch embezzlement case could lead to reputational or financial impact, though management says provisions are adequate.