Bandhan Bank will improve its activa quality through disciplined credit assessment, proactive facilities and effective recovery mechanisms, said Partha Pratim Sengupta, MD & CEO.
In FY25, the gross NPA of the private sector bank (non-performance assets) and the net NPA levels rose to 4.71 percent (3.84 percent in FY24) and 1.28 percent (1.11 percent) respectively.
In communication with shareholders, Sengupta noted that the Bank’s Provision coverage (PCR) improved to 86.47 percent (84.49 percent in FY24), including technical depreciation, which indicates wise facilities.
With the exception of technical depreciation, PCR was 73.7 percent (71.84 percent), which enhanced the conservative risk position of the bank, he added.
Geographic expansion
The Bandhan Bank Chief noted that the bank, which had more than 6,300 points of sale, Pan-India, including more than 1,700 bank branches, such as at the end of FY25, remains steadfast in his mission to expand its geographical footprint throughout the country.
The bank will strengthen its presence in semi-urban and rural areas, while retaining a steady knitting and ATM extension throughout the country, he added.
“This year has a special meaning, because your bank completes service, growth and impact for ten years … Although the first decade was about building, learning and evolving, the next decade has the promise of larger opportunities, confident growth and targeted scale.
“Your bank is now ready to enter a new chapter – one defined by innovation, inclusion and impact,” Sengupta said.
Published on July 30, 2025
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