CGFMU audit outcome uncertainty
The pending CGFMU audit may not yield the expected positive result, potentially impacting recoveries and capital.
BANDHANBNK / Q4-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
CEO succession risk
Founder MD & CEO Chandra Shekhar Ghosh is retiring on July 9, 2024, and a successor has not yet been identified, creating leadership uncertainty.
Slippage normalization may be slower than expected
Despite improvement, slippages remain elevated at ₹1,017 crore; analysts questioned whether the run rate is truly sustainable.
Operating expense pressure
OpEx grew 32% YoY in Q4 (23% adjusted for one-offs), and management expects cost-income ratio to remain elevated in FY25 due to investments.