Capital adequacy pressure from higher risk weights
The increase in risk weights on EEB portfolio to 125% reduced CRAR by 362 bps to 15%, potentially limiting growth if capital is not managed.
high · management_commentaryBandhan Bank Limited — Q1 FY25
Bandhan Bank reported a strong Q1 FY25 with PAT of INR 1,063 crore (+47% YoY) driven by robust advances growth of 22% YoY and stable NIM of 7.6%.
bullish
high
Financial stats pending filing verification
Risk Intelligence
Material risks this quarter
Concise cards keep the risk register scannable while preserving evidence-level context in the underlying quarter data.
Risks
Asset quality stress in Punjab and Maharashtra
Management noted stress in SMA books from Punjab and Maharashtra, which could lead to higher slippages.
medium · analyst_questionCEO succession uncertainty
The bank is operating with an interim MD&CEO; the board has not yet submitted names to RBI, creating leadership uncertainty.
medium · analyst_questionCASA ratio decline and deposit cost pressure
CASA ratio fell to 33.4% from 36% QoQ, and competitive deposit market may keep cost of funds elevated, pressuring NIMs.
medium · data_observation