Risks due to the category of borrowers that it services.
Vulnerability to interest rate risks.
An increase in the level of its NPAs.
Any disruption in its sources of funding or increase in costs of funding.
Inability to manage its growth effectively or sustain its historical growth rates.
Inability to obtain or maintain various statutory and regulatory approvals, licenses, registrations, and permissions to conduct its business.
Lack of access to capital preventing it from maintaining the required capital-to-risk-weighted assets ratio.
Any non-compliance with mandatory AML and KYC policies.
Any failure, inadequacy, and security breach in our information technology systems.
The threat of fraud and cyber-attacks targeted at disrupting our services, such as hacking, phishing, and theft of sensitive internal data or customer information.
Any downgrade of its credit ratings constraining its access to capital and debt markets.