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 / Q4-FY26 / risks
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RBL Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
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.