Customer trusts the physical bank branch, says Bandhan Bank MD & CEO

'When we started the bank seven years back, 98 per cent of the loan book was micro and group loans; now it is 47 per cent'

Chandra Shekhar Ghosh
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Chandra Shekhar Ghosh, MD & CEO, Bandhan Bank

Manojit Saha
Chandra Shekhar Ghosh, managing director and chief executive officer of Bandhan Bank, outlines the road map for diversifying the loan portfolio away from micro loans in an interview with Manojit Saha. Edited excerpts:

Asset quality of the bank has improved substantially in the fourth quarter. Collection efficiencies are over 95 per cent for March. Does that give you confidence that the worst is over and the current financial year will be a normal year?

When I go to the ground level, I see customers have started their business. When they are running the business, automatically their repayment is coming back. As a

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First Published: May 27 2022 | 6:08 AM IST

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