Geopolitical risk from war impact
Management flagged potential adverse effects from ongoing war on fuel prices, inflation, and rural demand, which could impact asset quality and credit costs.
BANDHANBNK / Q4-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
ECL provisioning impact on capital
Transition impact of ECL norms estimated at INR 1,250 crore (based on Dec'25 portfolio), with annual CRAR impact of 16-17bps over 5 years. Flow impact still being assessed.
Intense deposit competition
Management noted rising deposit rates offered by competitors, which could pressure cost of funds and margin expansion if the bank needs to offer higher rates to retain deposits.