Bandhan Bank has provided updated guidance on its credit cost projections during a recent conference call, outlining its strategic targets for the upcoming fiscal periods. The bank's management has maintained its overall credit cost guidance while setting specific parameters for different business segments.

Credit Cost Guidance Framework

The bank has established a comprehensive credit cost guidance structure that differentiates between overall operations and specific business segments. The guidance reflects the institution's approach to managing credit risk across its diverse portfolio.

Segment-Specific Targets

The Emerging Entrepreneurs Business (EEB) segment has been assigned a higher credit cost target range of 2.5% to 3.0% by the end of FY27. This segment-specific guidance indicates the bank's recognition of varying risk profiles across different customer categories and business lines.

Strategic Outlook

The maintained guidance suggests the bank's confidence in its risk management framework and ability to control credit costs within projected parameters. The differentiated approach between overall operations and the EEB segment demonstrates a nuanced understanding of portfolio risk characteristics across various business verticals.

Bandhan Bank Limited's Board of Directors convened on January 22, 2026, to deliberate on crucial organizational matters, resulting in significant approvals for executive leadership and shareholder voting processes. The meeting, which extended from 10:00 AM to 4:35 PM, addressed key governance and operational decisions that will shape the bank's leadership structure and employee incentive programs.

Executive Director Re-appointment Approved

The Board has approved the re-appointment of Mr. Ratan Kumar Kesh (DIN: 10082714) as Executive Director and Chief Operating Officer, along with his designation as Key Managerial Personnel. This decision follows the approval granted by the Reserve Bank of India and is based on the recommendation of the Nomination and Remuneration Committee.

The Board confirmed that Mr. Kesh is not related to any other Directors of the Bank and is not debarred or disqualified from holding the office of director by any regulatory authority, including the Securities and Exchange Board of India.

Postal Ballot Authorization for Six Business Items

The Board has authorized a comprehensive postal ballot process to seek shareholder approval on six items of special business through remote e-voting. The postal ballot will address both special and ordinary resolutions covering various aspects of corporate governance and executive compensation.

ESOP Plan Enhancements

Two of the six postal ballot items focus specifically on enhancing the bank's Employee Stock Option Plan Series 1. The proposals include increasing the aggregate number of employee stock options available for grant and implementing amendments to the existing plan structure. These changes require special resolution approval from shareholders due to their significant impact on the bank's equity structure and employee incentive framework.

Executive Remuneration Approvals

Three ordinary resolutions will address the remuneration packages for the bank's senior leadership team. The postal ballot will seek shareholder approval for compensation arrangements for Mr. Partha Pratim Sengupta in his role as Managing Director and Chief Executive Officer, Mr. Rajinder Kumar Babbar as Executive Director and Chief Business Officer, and Mr. Ratan Kumar Kesh as Executive Director and Chief Operating Officer.

Next Steps and Documentation

The bank will submit the Notice of Postal Ballot, including explanatory statements and detailed information about the remote e-voting process, in due course. All relevant documentation and updates will be made available on the bank's official website at www.bandhan.bank.in . The postal ballot process will enable shareholders to participate in these important governance decisions through a secure electronic voting mechanism.