Bandhan Bank, despite being a former micro-finance players and considering the impact of demonetization, posted the lowest NPAs amongst scheduled commercial banks with a GNPA ratio of 1.25% & NNPA ratio of 0.58% as on 31st March 2018. In absolute terms, gross NPA were ` 373.14 crore compared with ` 86.26 crores and Net NPA stood at ` 172.90 crore against ` 61.17 crores. However, on a sequential basis, Bank witnessed stable growth and reduction in bad loans with gross NPA ratio down from 1.67 % in the third quarter ending December 2017 Bank has taken various initiative too closely monitor asset quality, and expects asset quality to further improve and credit cost to decline in FY2019. The bank has been making provision at the higher rate of 1% for standard advances against the...