Political debt waiver in Bihar
Opposition manifestos in Bihar elections propose debt waivers for SHGs, which could disrupt collections if implemented.
BANDHANBNK / Q2-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
Elevated EEB slippages persist
EEB slippages remained high at INR 1,118 crore, and management expects stress to continue for 1-2 more months.
NIM compression from MCLR recalculation
The 200bps MCLR cut and repo rate pass-through compressed NIM more than expected, with full benefit delayed to Q4.
Slow EEB customer addition
Net new EEB customer addition has stagnated due to industry-wide ineligibility, limiting growth potential.