Elevated slippages from EEB book
Despite DPD reduction, gross slippages remained high at INR 1,320 crore, with EEB contributing INR 1,000 crore. Management expects H2 improvement but past trends show elevated slippages in H2 as well.
BANDHANBNK / Q2-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
high
Delay in CGFMU and ECLGS recoveries
CGFMU recovery of ~INR 1,600 crore delayed due to audit queries; ECLGS recovery of INR 410 crore pending due to operational constraints. Management could not provide a timeline.
NIM compression from rising cost of funds
Cost of funds expected to rise 20-25 bps in coming quarters due to savings rate hike and term deposit repricing, which could pressure NIMs despite higher yields.
Slow growth in housing loan book
Housing finance book grew only ~4% YoY, lagging other segments. While disbursement run-rate has improved, sustained growth remains uncertain.