SMA-2 book doubled to ₹4,120 crore
SMA-2 (overdue 61-90 days) increased from ₹2,200 crore to ₹4,120 crore, largely from three state government accounts, though backed by guarantees.
BANKINDIA / Q3-FY26 / risks
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Bank of India · Material risks, their source context, and severity in the latest available quarter.
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Material risks this quarter
medium
CASA ratio declining structural pressure
CASA ratio fell from 41% to 38% YoY due to shift of deposits to alternative investments, increasing reliance on bulk deposits.
Yield on advances down 80 bps in 9 months
Yield on advances declined due to 125 bps repo rate cuts, with 64% of book linked to EBLR, pressuring NIMs.
ECL implementation impact on capital
Expected Credit Loss framework may impact CRAR by ~2% (₹9,200-9,400 crore), though spread over 5 years at 0.40% per annum.