BANDHANBNK

Bandhan Bank – Overview

Scale & Reach Branches & Outlets: Over 6,000 banking outlets across India. Focus: Around three-fourths of branches are in rural and semi-urban areas. Employees: Over 70,000 staff members. Customer Base: Strong presence among low-income households and micro-entrepreneurs, along with urban retail customers. Services & Segments Retail Banking – Savings and current accounts, deposits, personal loans, home loans. Microfinance – Core business through its “Emerging Entrepreneurs Business (EEB)” vertical, lending small-ticket loans to rural borrowers. Corporate & Business Banking – SME lending, trade finance, and business loans. Third-Party Products – Insurance, mutual funds, investment products. Recent Performance The bank recently faced pressure on profitability, with earnings declining due to higher provisions and asset quality stress in the microfinance portfolio. Deposits continue to grow steadily, supported by branch expansion and increasing customer trust. Advances are growing but face regulatory limits on microfinance exposure. CASA ratio is moderate compared to larger private banks. Leadership Founded by Chandra Shekhar Ghosh, who guided it from NGO stage to banking license. Current CEO & MD is Partha Pratim Sengupta, focusing on stabilizing asset quality and broadening retail banking presence.