Unsecured retail slippages
Personal loan and credit card portfolios have seen increased delinquencies over the past six quarters; management has taken corrective actions but trend may persist.
medium · management_commentaryIcicibank Ltd — Q3 FY25
ICICI Bank reported a steady Q3 FY25 with PAT growing 14.8% YoY to ₹117.92 billion, driven by core operating profit growth of 13.1% YoY and strong fee income (+16.3% YoY).
bullish
high
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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 cost
Cost of deposits rose to 4.91% from 4.88% sequentially, and NIM declined 18bps YoY; further pressure could impact profitability.
medium · data_observationBusiness banking credit risk
Analyst questioned what could go wrong in business banking; management cited granularity and collateral but acknowledged need for tight monitoring.
low · analyst_question