Vatsal Parag Shah · Knightstone Capital Management
directProportion of advances in Karnataka and Tamil Nadu
Tamil Nadu, we have a share of only less than 1% in the total advances for the day. Karnataka is 1.1%. Both are very negligible.
BANDHANBNK / Q4-FY25 / claim-ledger
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Bandhan Bank · Analyst questions, management answers, and the quality of the response where the ledger is available.
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Questions audited
12
Answered directly
83%
Numeric claims
0
Consistency
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Question ledger
What was answered, and how?
Vatsal Parag Shah · Knightstone Capital Management
directFixed rate book percentage
It is around 48%. 48% of our loan book is around fixed rate.
Piran Engineer · CLSA
partialInterest reversal this quarter vs Q4 FY2024
During the quarter, we had INR 69 crore as interest reversal.
Piran Engineer · CLSA
partialImpact on deposit cost after rate cut and guidance for FY2026
We have also reduced our interest rates on both savings bank and term deposits... We are expecting that around 30 basis points where we were giving on the highest bracket, 8.05, it has come down to 7.75.
Piran Engineer · CLSA
directCollection efficiency from GNPA book
Overall, from an 8% number, close to 25% of that 8% is paying us some amount.
Mohit Jain · Tara Capital Partners
directReason for SMA zero increase in West Bengal and April disturbances impact
One is because of the holidays. The last three days were holiday in West Bengal... This has been eventually corrected.
Mohit Jain · Tara Capital Partners
directConfidence in EEB credit cost guidance of 2-3% given recent origination NPAs
If you look at the financial year 2025 figures, it has come down from 2.8%. Q2 is 1%. Q3 and Q4, just see Q3 is 0.1% and Q4 is nil.
Anand Swaminathan · Bank of America
directWorst-performing states driving collection efficiency down
Our states which are not performing... are Maharashtra, parts of Gujarat, and Tamil Nadu, Karnataka.
Anand Swaminathan · Bank of America
directTimeline for normalized disbursal levels in FY2026
I think the first quarter is going to be a muted one. I think quarter two onwards, the disbursals should pick up.
MB Mahesh · Kotak Securities
evasiveHow credit cost will trend in next two quarters given slippages
I do not think Mahesh will give specific guidance on a quarterly basis... it is natural to expect the next two quarters there will be some continued stress.
MB Mahesh · Kotak Securities
directClarification on ROE decomposition and margin decline guidance
I think as our secured mix increases further, over the next three years, we should expect, I think, margins, the NIMs to come down by, say, another 50-60 basis points.
Jai Mundhra · ICICI Securities
directFull impact of RWA decline taken or pending
A large part of our EEB book... we have been able to take the benefit of that in the RWA calculation. The improvement on the total CAR of 18.7%... is really based on the February clarification.