Geopolitical headwinds impacting credit quality
Rising crude prices, supply chain disruptions, and interest rate hikes may stress MSME and export-oriented sectors.
BANKOFINDIA / bear-case history
Track the concerns that keep returning.
Bank of India · risk themes across the available quarters.
Research layer active
Bear-case history
Risks carried through the record.
medium
ECL implementation impact on credit cost
Transition to ECL guidelines from April 2027 may increase credit cost by ~10 bps annually, though management expects smooth transition.
CASA ratio decline and deposit cost pressure
CASA ratio fell to 37.64% from ~40% due to structural shift, potentially increasing cost of deposits if not reversed.
State PSU slippage risk
Three state PSUs in SMA category may slip into NPA if cash flows don't improve, though management is confident of recovery.