BANDHANBNK

Deposit franchise strengthening

1. Focus on improving asset quality Bandhan Bank continues to focus on reducing stress in its loan portfolio, particularly in the microfinance segment. Asset quality trends have shown gradual improvement, which remains a key positive for investors. 2. Microfinance business remains a core strength The bank remains one of India's leading microfinance-focused lenders. Demand for small-ticket loans and financial inclusion services continues to support business growth. 3. Loan growth remains healthy Bandhan Bank has reported growth across: Microfinance loans Retail lending MSME loans Affordable housing finance The bank is gradually diversifying beyond its traditional microfinance business. 4. Deposit franchise strengthening Management continues focusing on increasing retail deposits and CASA deposits to improve funding stability and reduce borrowing costs. 5. Profitability recovery in focus Investors are closely watching: Credit costs NPA trends Net Interest Margins (NIMs) Return ratios Improving profitability remains a key investment theme. 6. Diversification strategy underway The bank is expanding its presence in: Housing loans Gold loans Commercial banking Retail asset products This helps reduce dependence on the microfinance segment. 7. Strong branch network advantage Bandhan Bank continues leveraging its extensive presence in eastern and northeastern India while expanding into other regions.