Legacy ST LAP slippages persist
Gross Stage 3 rose to 2.1% due to continued slippages from old ST LAP book; management expects stabilization by Q4.
FEDFINA / Q3-FY26 / risks
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Fedbank Financial Services · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
Elevated opex from branch expansion and one-time costs
Opex rose 21% YoY due to new branch staffing, higher incentives, and a one-time labor code impact of ₹3.9 crore.
Yield compression in gold loans from competition
Gold loan yields declined from 19.1% to 18.3% due to competitive pressure and mix shift from high disbursals.
Tamil Nadu business recovery slower than expected
ST LAP disbursals in Tamil Nadu have only recovered 20-30%; full normalization expected by Q4 FY26 or Q1 FY27.