BANDHANBNK

⚠️ Key Challenges

📉 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) ⚠️ Key Challenges Microfinance segment still under watch Profitability (ROA/ROE) yet to fully recover Credit cost trajectory remains important 🧠 Key Takeaways ✅ Strong growth in advances and deposits ✅ Improving collection efficiency (major positive) ✅ Better deposit mix quality ⚠️ Profitability recovery still in progress ⚠️ Market sentiment remains cautious