Elevated MFI stress and slippages
EEB slippages increased to INR 752 crore in Q2, and SMA-0/1/2 pools expanded. Management expects elevated slippages in Q3, with uncertainty on recovery timing.
BANDHANBNK / Q2-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
Margin compression from product mix shift
Shift towards secured assets (lower yield) could pressure NIMs. Management acknowledged potential yield stress in coming quarters.
Over-leveraging in microfinance sector
Despite Bandhan's unique customer share of 60%, industry-wide over-leveraging and credit freeze risks could impact asset quality. RBI actions on MFI lenders may add systemic risk.
Capital adequacy pressure
Tier 1 ratio (including H1 profits) at ~14% is adequate for now, but rapid secured book growth and elevated credit costs could necessitate capital raise if stress persists.