BANDHANBNK / Q2-FY26 / claim-ledger

Audit the questions that mattered.

Bandhan Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.

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NegativeQ2-FY26 · 2025-10-23Back to quarter ↗

Questions audited

Answered directly

58%

Numeric claims

Consistency

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Question ledger

What was answered, and how?

Mahrukh Adajania · Nuvama

partial

Where will credit cost and SMA 0 settle? How to improve PPOP margin? Impact of Bihar debt waiver?

We have a guidance for the next two, three years where we have said that we should come to around 2.5%. ... We are still maintaining our guidance that after two three years we will be putting it around 2.5.

Mahrukh Adajania · Nuvama

direct

How much did you cut MCLR by since April?

Roughly 200 basis points.

Abhishek Murarka · HSBC Bank

evasive

Has industry or government stepped in to support MFI collections in Bihar?

Bihar again I'm telling you that if you look at our portfolio, the delinquency trends are at a very acceptable level. ... We are a little bit comfortably placed than what the industry is doing for the day.

Abhishek Murarka · HSBC Bank

direct

Which geographies are you comfortable lending in EEB?

Definitely I consider the eastern part is doing reasonably well. West Bengal, Assam, Bihar. ... The places where we are really not able to go because the guardrails are Tamil Nadu and Karnataka because of the late entrance of ours.

Aravind Ravichandran · Sundaram Alternates

partial

Why did housing NPA move up sequentially despite strong growth?

There had been some sort of ballooning related sort of NPA recognition which had happened sometime back ... The little bit of an increase that we see coming through the housing pertains to some of the underlying portfolio in the affordable segment.

Aravind Ravichandran · Sundaram Alternates

direct

Why is the >3 lender portfolio stable? Is it difficult to run down?

We put the guardrail down on April 2nd for FY 2026 ... It has come down to a 9.5%. ... Come March 2026, you will see this number of 9.5% going down to a 7%, 6% ... and below 5%, maybe quarter 1, FY 2027.

Anish Rai · UBS

partial

Is MFI customer penetration saturated? Where will growth come from?

You're right that we are stagnant in terms of the new borrower coming in month on month. ... Once the industry stabilizes and the leverage issue is completely licked off, we will try and get further new customers.

Param Subramanian · Investec

partial

Why hasn't cost of funds improved despite CASA up and savings rate cuts? NIM outlook?

The fixed deposits are yet to come. ... The moderation will take place as and when this gets renewed. ... Q4 actually the major impact will come.

Anand Dama · Emkay Global Financial Services

direct

Was the 200 bps MCLR cut due to RBI? Any further regulatory shocks?

It has got nothing to do with RBI. ... Nothing as such. We have supervisory.

Hardik Shah · ICICI Securities

partial

Quantify MFI slippages and why they didn't decline like peers?

The slippages for the EEB ... was INR 1,118 crore. ... The gross slippage increased marginally from INR 1,089 - INR 1,118 during the quarter.

Hardik Shah · ICICI Securities

partial

Why did wholesale banking GNPA rise?

The denominator impact is there. We have gone a little slow in terms of the growth in self ... Otherwise, the slippage pattern of ABG has been on the same similar numbers month on month.

Mahrukh Adajania · Nuvama

declined

What is the total SMA pool including non-EEB for ECL implementation?

We are assessing and evaluating. ... At this stage, that process is still on. ... We will not be able to have the details of that.