Q1-FY24 · Chandra Shekhar Ghosh
We expect that approximately half of our book should be secured book by financial year 2026.
BANDHANBNK / language trends
Read confidence between the lines.
Bandhan Bank · tone and specificity signals across the available quarters.
Research layer active
Language signals
What changed in management language.
tracked
Q1-FY24 · Sunil Samdani
Our endeavor is to keep it within 2%.
Q1-FY24 · Sunil Samdani
We have to recruit at least two, three months ahead of opening up a branch.
Q1-FY25 · Ratan Kumar Kesh
We have taken a conservative approach to increase and apportion a higher risk weightage of 125% to our EEB portfolio from earlier 75%.
Q1-FY25 · Rajinder Kumar Babbar
Our focus is clearly a risk-calibrated, customer-centric, digital and analytical approach.
Q1-FY25 · Rajeev Mantri
We have seen a steady decline in the slippages from the levels of INR 1,300 crore in the first three quarters of last year to INR 1,017 crore in the last quarter to INR 891 crore in the immediate quarter.
Q1-FY26 · Partha Pratim Sengupta
We anticipate challenges in the EV segment to persist in Q2 FY26 and based on an improving trajectory.
Q1-FY26 · Partha Pratim Sengupta
Our belief is that people will follow the discipline and therefore we don't see that at least reasonably larger medium player will be there all of that.
Q1-FY26 · Rajeev Mantri
The increase in the EV SMA zero book is primarily attributable to a procedural change relating to the raising of installment demand on holiday.
Q2-FY24 · Chandra Shekhar Ghosh
We expect to have nearly 50% of our portfolio will be secured by financial year 2026.
Q2-FY24 · Chandra Shekhar Ghosh
The post-COVID portfolio, consisting of all loans disbursed after June 2022, clearly turning out to be a strong one. Gross NPA ratio of the post-COVID book stands at 2.6%.
Q2-FY24 · Sunil Samdani
We feel that it will be 20 basis points or 25 basis points going up, and next 2 quarters. Yeah, but it will be compensated with higher yield, so we will remain in the range of 7-7.5 on the mean side.
Q2-FY25 · Ratan Kumar Kesh
We have been proactive and have taken steps over the last 18+ months to address the business risk.
Q2-FY25 · Ratan Kumar Kesh
While the microfinance sector continues to face headwinds, we have been able to grow our overall business, driven by healthy growth in secured book, while containing portfolio risk for sustainable growth in future.
Q2-FY25 · Ratan Kumar Kesh
Our credit cost guidance continues to remain in the 1.8%-2% for this year... and we will look at it, review it, and then come back to you with more information as we get it by end of quarter three.
Q2-FY26 · Partha Pratim Sengupta
This quarter's performance reflects a transitional phase for the bank as we continue to realign our portfolio and operating model in response to the changing environment.
Q2-FY26 · Partha Pratim Sengupta
We have taken steps to transition from a microfinance-focused bank to a full-service commercial bank.
Q2-FY26 · Rajeev Mantri
We expect the margin should improve from these levels. This could be sort of the bottom point, at least during the financial year.
Q3-FY24 · Chandra Shekhar Ghosh
We expect the run rate to further fall down in the current quarter.
Q3-FY24 · Ratan Kesh
The bank is fully cooperating and submitting all the documents requested by the audit agency. The audit is currently underway.
Q3-FY24 · Chandra Shekhar Ghosh
We are well on our way to achieving long-term strategic goals of portfolio and geographical diversification.
Q3-FY25 · Partha Pratim Sengupta
If I grow 100 in EEB, I will grow 300 in the other segments.
Q3-FY25 · Partha Pratim Sengupta
The level of slippages would not be 1,196, what we have witnessed in Q3, but it will be substantial.
Q3-FY25 · Partha Pratim Sengupta
None of the universal banks give such a high NIM. Bandhan's current level of 7.3% is not for a universal bank.
Q3-FY26 · Partha Pratim Sengupta
We have seen the bottom of the nadir in the month of September when our profits went to a dip of INR 112 crore. I can say that now going on forward with this balanced book of positions, along with the lot many risk mitigation measures that we have taken, I can share that we are now having a wholesale banking group share of almost 31%.
Q3-FY26 · Rajeev Mantri
We are confident that in Q2, we saw a bottom of the NIMs, at least for this financial year, and therefore some further improvement should be expected from these levels.
Q3-FY26 · Partha Pratim Sengupta
Our guidance factor is at the end of FY 2027. We are still hopeful that we will probably be achieving it by the end of FY 2027. As you look at it, we've given a guidance of 1.6%-1.7% as at the end of FY 2027.
Q4-FY24 · Chandra Shekhar Ghosh
We have reviewed our legacy portfolio and, as a prudent measure, have done a technical write-off during the quarter, which resulted in lower profits for the quarter.
Q4-FY24 · Ratan Kumar Kesh
I think we are almost at a stage of closure of the audit process. Management is extremely confident about the positive outcome of this.
Q4-FY24 · Chandra Shekhar Ghosh
This is my last call, and you have helped me lots of... I honor all of your support and the help.
Q4-FY25 · Partha Pratim Sengupta
We are targeting an advances growth of 15%-17% stage year over the next three years, with a strategic focus on increasing the secured mix.
Q4-FY25 · Partha Pratim Sengupta
While credit costs are expected to remain elevated in half year of financial 2025-2026, we are targeting to reach 1.5%-1.6% on full year basis of the credit costs over the next two to three years.
Q4-FY25 · Partha Pratim Sengupta
Our focus remains on a steady and sustainable improvement in profitability, with a clear path towards improving ROA to 1.8%-1.9% over the next two to three years.
Q4-FY26 · Partha Pratim Sengupta
We have already achieved that or near to achieving that. As if you see my Q4 results, we are already at 56% and another 44% is unsecured for it.
Q4-FY26 · Rajeev Mantri
The guidance we had mentioned was between 1.6% to 1.7% by the exit of FY 2027, which is by Q4 FY 2027, give or take 10 basis points. We will still endeavor to work towards that.
Q4-FY26 · Partha Pratim Sengupta
These are all rumors. I have already, we have already said for the year these are all rumors, so nothing is going at the holdco level. Nothing is going to affect the shareholding pattern of the bank.