Elevated slippages in microfinance book
Q1 slippages of INR 920 crore from the EEB book were higher than expected, though management cites seasonality.
BANDHANBNK / Q1-FY24 / 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
Core banking system migration disruption
Migration to a new core banking system in Q2 may cause operational disruption for 2-3 weeks, impacting growth.
ECLGS guarantee recovery delays
Recovery of ECLGS claims may be delayed due to capacity constraints in the government portal, though expected in 3-6 months.
NIM pressure from rising deposit costs
Cost of deposits rose 60bps QoQ due to mix shift and TD repricing; further repricing of ~60bps may pressure NIM.