BANDHANBNK

What Bandhan Bank promised, and what happened

Every commitment management made on a call, tracked from the quarter it was made — reaffirmed, revised, diluted or quietly dropped.

Guidance record · Q1 FY27

what the last two calls moved 26 tracked 1 delivered 6 missed 19 open
  • Secured Loan Mix delivered said Q3 FY25 Promised: 55%+ by FY27 Q1 FY27: Remains achieved with secured mix at 57% of total advances.
  • Net Interest Margin (NIM) missed said Q1 FY25 Promised: 7% to 7.5% for FY25 Q1 FY27: Promise concluded. Target for FY25 was missed.
  • Return on Assets (RoA) at risk said Q3 FY25 Promised: ~2% in the Medium Term Q1 FY27: RoA at 1.0% and long-term guidance revised down to 1.2-1.4% makes the original ~2% target highly improbable.

The rest of the ledger

Above is what the last two calls moved. Pro opens all 26 tracked commitments for Bandhan Bank — every quarter's revision, the source quote behind each one, and the topics management has stopped answering.

See what Pro opens