[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  SBI Securities [@_sbisecurities](/creator/twitter/_sbisecurities) on x 11.8K followers Created: 2025-07-18 14:58:46 UTC Bandhan Bank Ltd Key Concall Highlights 🔹Deposit growth remained healthy during the quarter led by strategic deposit accretion schemes. Decline in CASA ratio sequentially was attributable to seasonality and movement of SA deposits to term deposit due to SA rate rationalization. 🔹Advances growth in 1Q was muted due to lower disbursements in EEB portfolio. Non-EEB loan book grew XX% YoY and accounts for XX% of total assets as of Jun'25. For FY26, overall advances growth is expected to be 15%-16% while EEB segment growth is pegged at 5%-8% YoY. 🔹NIM moderation amid the rate cut cycle was offset by XX bps reduction in cost of funds led by saving account and term deposits rate rationalization undertaken during the quarter. Bank undertook 30-80 bps reduction in SA rates and 20-30 bps reduction in TD rates. The management anticipates NIM to remain moderate in 2Q with revival expected in 2HFY26 aided by full repricing of deposits and CASA accretion. 🔹Disbursement in the EEB segment was muted in southern geographies primarily Tamil Nadu and Karnataka due to X lenders cap under the MFIN XXX guardrails. 🔹EEB disbursements are expected to inch up gradually from 3QFY26 onwards driven by a healthy monsoon and festival season. XX% of incremental disbursements are to existing borrowers. 🔹 Borrowers with more than X lenders in EEB segment(currently at 5%) are expected to wind down to below X% in the next 2-3 quarters as the loans matures. 🔹The bank implemented procedural changes related to raising of installment demand on holidays for the EEB segment which resulted in moderate spike in SMA X loans. 🔹Sequential increase in retail and housing segment slippages attributable to few legacy loans. Management expects recovery in the next quarter. 🔹Credit cost expected to further moderate over 9MFY26. Full year credit cost guided at 2.5%. Disclaimer: XXX engagements  **Related Topics** [casa](/topic/casa) [$bandhanbnkbo](/topic/$bandhanbnkbo) [Post Link](https://x.com/_sbisecurities/status/1946223125731098811)
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SBI Securities @_sbisecurities on x 11.8K followers
Created: 2025-07-18 14:58:46 UTC
Bandhan Bank Ltd
Key Concall Highlights
🔹Deposit growth remained healthy during the quarter led by strategic deposit accretion schemes. Decline in CASA ratio sequentially was attributable to seasonality and movement of SA deposits to term deposit due to SA rate rationalization.
🔹Advances growth in 1Q was muted due to lower disbursements in EEB portfolio. Non-EEB loan book grew XX% YoY and accounts for XX% of total assets as of Jun'25. For FY26, overall advances growth is expected to be 15%-16% while EEB segment growth is pegged at 5%-8% YoY.
🔹NIM moderation amid the rate cut cycle was offset by XX bps reduction in cost of funds led by saving account and term deposits rate rationalization undertaken during the quarter. Bank undertook 30-80 bps reduction in SA rates and 20-30 bps reduction in TD rates. The management anticipates NIM to remain moderate in 2Q with revival expected in 2HFY26 aided by full repricing of deposits and CASA accretion.
🔹Disbursement in the EEB segment was muted in southern geographies primarily Tamil Nadu and Karnataka due to X lenders cap under the MFIN XXX guardrails.
🔹EEB disbursements are expected to inch up gradually from 3QFY26 onwards driven by a healthy monsoon and festival season. XX% of incremental disbursements are to existing borrowers.
🔹 Borrowers with more than X lenders in EEB segment(currently at 5%) are expected to wind down to below X% in the next 2-3 quarters as the loans matures.
🔹The bank implemented procedural changes related to raising of installment demand on holidays for the EEB segment which resulted in moderate spike in SMA X loans.
🔹Sequential increase in retail and housing segment slippages attributable to few legacy loans. Management expects recovery in the next quarter.
🔹Credit cost expected to further moderate over 9MFY26. Full year credit cost guided at 2.5%.
Disclaimer:
XXX engagements
Related Topics casa $bandhanbnkbo