ROA target of 1.6-1.8% by Q4 FY27
Management reiterated guidance for return on assets to reach 1.6-1.8% by exit of FY27, driven by credit cost improvement, higher other income, and operating leverage.
BANDHANBANK / guidance tracker
Keep management guidance in view.
Bandhan Bank · forward-looking guidance across the available source record.
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Guidance tracker
What management said would happen.
growth
NIM improvement of 10-20bps over next 2-3 quarters
Expect further margin expansion from current 6.2% as cost of funds benefits from term deposit repricing continue.
Credit cost target of 1.6-1.7% by FY27 exit
Aimed at reducing credit cost from current 2% level, supported by improving MFI portfolio and stable asset quality.
PSLC cost reduction by 50% in FY27
Priority sector lending certificate costs expected to halve from FY26 levels, with near-zero cost targeted in subsequent years.