Geopolitical impact on inflation and interest rates
Ongoing geopolitical conflict may keep crude oil prices elevated, leading to higher inflation and interest rates, which could marginally impact asset quality.
PNBHOUSINGFINANCE / Q4-FY26 / risks
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PNB Housing Finance · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Yield improvement may not materialize as expected
Despite management's confidence that yields have bottomed out, incremental yields have been declining, and competitive pressures could delay improvement.
Normalization of credit cost post recovery tailwind
Once recoveries from return of pool accounts taper, credit cost could normalize to 20-30 bps, pressuring ROA if not offset by higher yields.