Geopolitical risk from war impact on MFI
Management flagged potential adverse effects from ongoing war on fuel prices, supply chains, and rural economy, which could affect MFI collections.
BANDHANBANK / Q4-FY26 / risks
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Bandhan Bank · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
ECL transition impact on capital
Transition to expected credit loss norms may require ₹1,250 crore additional provisions, impacting CET1 by 16-17bps annually over 5 years.
Elevated operating expenses
Q4 opex rose 10% QoQ due to non-recurring items (PSLC cost, IT expenses); management expects normalization but cost control remains a focus.
Intense deposit competition
Management noted rising deposit rates in March; ability to grow granular retail deposits without margin pressure is a key challenge.