BANDHANBNK

💰 Asset Quality & Collections

📊 Business Performance (Q4 FY26) Advances (loans): ~₹1.54 lakh crore (~12–13% YoY growth) Deposits: ~₹1.66 lakh crore (~10% YoY growth) Strong sequential growth indicates improving business momentum Retail deposit growth (~17–18%) is a key positive 👉 Overall: Healthy expansion in both lending and deposit franchise. 💰 Asset Quality & Collections Collection efficiency improved to ~98.9% in March 2026 This signals stabilization in the microfinance portfolio, which was a major concern earlier Credit costs are expected to gradually normalize if this trend sustains 🏦 Deposit Mix Improvement Retail deposits ~73% of total deposits Reduction in bulk deposits → improves stability and lowers risk Stronger liability franchise is a positive long-term factor 📉 Stock Performance Stock has been range-bound with slight weakness despite decent business growth Market remains cautious due to: Past asset quality issues Lower profitability vs peers ⚙️ Operational / Policy Updates Changes implemented in: ATM withdrawal limits and charges UPI-related policies (system-wide banking updates)