Unsecured retail credit cost normalization
Delinquencies in personal loans and credit cards have risen over the past year; further increase could push overall credit costs above the current 40-50 bps range.
medium · analyst_questionIcicibank Ltd — Q2 FY25
ICICI Bank reported a strong Q2 FY25 with PAT growing 14.5% YoY to INR 117.46 billion, driven by healthy loan growth and controlled operating expenses.
bullish
high
✓ Verified against BSE filing
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
NIM compression from deposit repricing
Cost of deposits rose 4 bps QoQ to 4.88%, and further marginal increases are expected, which could pressure NIM if loan yields do not keep pace.
medium · management_commentaryCompetitive intensity in business banking lending
Business banking is a competitive segment with pressure on yields; growth may come at lower margins, though management focuses on overall customer profitability.
low · management_commentary