Persistence of elevated credit card slippages
Credit card slippages remained high at ₹580 crore in Q4, and management expects elevated levels to continue in H1 FY27 before normalizing. Any delay could pressure profitability.
RBLBANK / bear-case history
Track the concerns that keep returning.
RBL Bank · risk themes across the available quarters.
Research layer active
Bear-case history
Risks carried through the record.
high
Geopolitical impact from Middle East conflict
Analysts raised concerns about potential impact from the Middle East conflict on the bank's portfolio. Management stated no material impact seen so far but remains cautious.
NIM compression from mix shift to lower-yield secured assets
The bank's focus on secured retail and wholesale lending is reducing overall yields, which could continue to pressure NIMs despite lower cost of deposits.