Q1-FY25 · Q4 FY24
Loan growth of 17-20% in FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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BANDHANBNK / Q4-FY24 / promises
Measure what management said.
Bandhan Bank · A quarter-by-quarter view of forward statements and whether delivery is visible yet.
Research layer active
ConCallIQ research layer
Signal, with the source still visible.
Use the controls below to narrow the view, then follow the evidence into the next layer of context.
Management delivery ledger
Promises over time.
Q1-FY25 · Q4 FY24
Deposit growth to outpace advances growth
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q1-FY25 · Q4 FY24
CGFMU claim resolution expected in Q1 FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY24 · Q1 FY24
NIM guidance of 7-7.5%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Loan growth of 18-20% for FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Deposit growth higher than loan growth
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
NIM maintained at 7-7.5%
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY25 · Q1 FY25
Credit cost guidance of 1.8-2% for FY25
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
Credit cost guidance of 2.5% for FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q2-FY26 · Q1 FY26
NIM stabilization in H2 FY26
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY24 · Q2 FY24
Loan growth of ~20% YoY for FY24
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q3-FY25 · Q2 FY25
Credit cost guidance of 1.8%-2% for FY25
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
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Q3-FY25 · Q2 FY25
Advances growth of 18% ± 1% for FY25
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
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Q3-FY25 · Q2 FY25
NIM guidance of 7%-7.5% for FY25
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
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Q3-FY25 · Q2 FY25
OpEx to assets ratio similar to FY24
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
close
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Q3-FY26 · Q2 FY26
EEB growth to resume from Q3
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY24 · Q3 FY24
NIM to remain in 7%-7.5% range near-term
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY25 · Q3 FY25
NIM to moderate further
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY25 · Q3 FY25
EEB disbursements to be calibrated in Q4
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
NIM improvement from current levels
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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Q4-FY26 · Q3 FY26
EB book to show sequential growth
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
missed
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