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Fitch expects Bimputh's assets quality to remain under pressure. The reported six-month non-performing loan (NPL) ratio increased to 3.0% at end-March 2017, from 0.8% at end-March 2016, due to microfinance defaults. However, the company maintains adequate provisioning levels for these NPLs. Fitch believes weaker net interest margins from its business-model shift to a lower share of microfinance and higher funding costs could weigh on Bimputh's profitability and increase its credit costs. We expect Bimputh to continue relying on wholesale borrowings due to its weaker deposit franchise relative to peers. Deposits made up only 30% of its funding at end-March 2017 and are highly concentrated among the top-20 deposit holders. Bimputh is a small finance company accounting for 0.95% of licensed finance company and specialised leasing company sector assets at end-March 2017 (March 2016: 0.86%). RATING SENSITIVITIES Weaker capitalisation metrics may place downward pressure on the company's ratings. Heightened risk appetite, indicated through aggressive loan growth or greater unprovided NPLs that increase capital impairment risks, could also lead to a downgrade of Bimputh's ratings. An upgrade is contingent on an improved franchise while sustaining credit metrics - in particular, capitalisation - similar to higher-rated peers, alongside a moderation of risk appetite.
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