Bandhan Bank Ltd

The provided pages do not mention any current or future plans for fundraising through debt or equity by Bandhan Bank. Key points: - No explicit discussion or announcement regarding new debt or equity raising. - Focus is on strengthening the balance sheet through organic growth, improving capital adequacy (18.0% CAR), and internal accruals. - Capital adequacy is described as robust with ample headroom to support growth. - Discussions primarily revolve around portfolio diversification, improved asset quality, and profitability. - No indications or guidance on external capital raising activities. Therefore, as per the disclosed information on pages 1-26, Bandhan Bank has no stated plans for new fundraising via debt or equity at this time.

The provided transcript from Bandhan Bank's April 28, 2026 conference call does not explicitly mention any current or future capex, capital investment, or strategic investment plans. Key highlights include: - Focus on expanding distribution network with 1,955 branches and 4,400 EEB banking units. - Upgrading housing finance centers to full-fledged banking branches. - No direct commentary on capital expenditure or strategic investments. - Strong capital adequacy ratio at 18.0% (Tier 1 at 17.3%), implying capacity to support future growth. - Emphasis on strengthening core businesses, improving growth quality, and enhancing shareholder value. - Evaluation of EEB portfolio and secured book growth focus, with no specific capex outlined. No explicit plans or guidance on capital or strategic investments were disclosed in the excerpts.

- Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward. - Expected healthy advances growth around 13% YoY, with sequential quarterly growth of 6%. - The secured book is anticipated to grow at ~25% YoY, supported by retail secured products like commercial vehicles, construction equipment, auto and gold loans. - The EEB (microfinance) segment showed 8% sequential growth QoQ with focus on improving other income from the secured book, not just interest income. - Non-EEB portfolio expected to expand robustly (~25% YoY), supported by retail assets (46% YoY growth) and wholesale banking (33% YoY). - CASA and retail deposits to continue strong growth, improving liability quality and supporting sustainable revenue growth. - Bandhan Bank aims for stable NIM around 6.0% with an overall yield plus other income target of ~7.5% on assets. - Fee income and third-party product income expected to grow, enhancing recurring revenue streams.

- Bandhan Bank aims to improve its Return on Assets (ROA) from current 1.1% to around 1.6%-1.8% by Q4 FY27, indicating a targeted upward trajectory in profitability. - Net Interest Margin (NIM) is expected to improve by 10 to 20 basis points sequentially over the next two to three quarters, with an aim of around 6% on total assets by FY27-end. - The bank projects total NIM plus other income around 7.5% on assets, focusing more on other income from secured books. - Credit cost is expected to reduce significantly from the last year’s 3.0% due to improvements in asset quality and portfolio diversification. - Growth in secured loans (targeting 58% of the loan book by FY27) and reasonable growth in the Enterprise and Emerging Businesses (EEB) segment support future earnings growth. - Operating profits are expected to benefit from improved margins, controlled cost ratios, and reduced credit costs.

The provided transcript from Bandhan Bank's April 28, 2026 conference call does not contain specific information regarding current, expected order book, or pending orders. The focus of the discussion is primarily on the bank’s financial performance, loan portfolio composition, credit cost guidance, asset quality, deposit mix, and strategic priorities. No details on order book status or pending orders are mentioned in the excerpts from the call or report. If you need data on order books or pending orders for Bandhan Bank, such information might not be applicable as it is a banking institution rather than a company with order books typical of manufacturing or project businesses. Please clarify if you are referring to loan book growth or similar banking portfolio metrics.