Volatile Operating Cash FlowHistoric swings in operating cash flow imply earnings may not consistently translate into cash, raising execution risk for lending growth and dividends. Persistent volatility would constrain capital allocation, stress liquidity buffers, and require conservative provisioning over the medium term.
Declining EPS TrendA notable negative EPS growth rate signals past earnings per share weakness that can reflect one-off items, margin pressure, or share-count effects. If EPS recovery lags revenue gains, it could limit reinvestment capacity and weaken investor confidence in sustained profit improvements.
Regional Concentration ExposureHeavy exposure to a single regional economy and SME/local-government clients raises vulnerability to local economic slowdowns, demographic decline, or sector-specific shocks. This structural concentration can limit growth optionality and amplify credit and deposit risk versus more diversified peers.