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.
BANDHANBNK / Q1-FY25 / 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
high
Asset quality stress in Punjab and Maharashtra
Management noted stress in SMA books from Punjab and Maharashtra, which could lead to higher slippages.
CEO succession uncertainty
The bank is operating with an interim MD&CEO; the board has not yet submitted names to RBI, creating leadership uncertainty.
CASA 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.