Housing loans make up for 30 per cent of the credit portfolio and MSME 9 per cent, he said.
As of December 2019, the bank's total exposure stood at Rs 65,456 crore, with a deposit base of Rs 55,000 crore and CASA level at 34 per cent, Ghosh said.
"We are expecting a secular growth in terms of credit offtake in the current financial year despite the slowdown in the economy," he said.
"Though there is a slowdown due to multiple factors, the impact on the credit growth of Bandhan Bank will not be very much. Due to good rabi crop, spending by low-middle income consumers will be at a good level," Ghosh said.
He said the bank is working hard towards meeting regulatory compliance due to which restrictions on the opening of new branches have been lifted by the RBI.
"Bandhan Bank is fully committed about meeting RBI compliance in respect of bringing down the stake of non- operating holding company to the stipulated level of 40 per cent from the present 61 per cent," he said.
Following its merger with Gruh Finance, the promoter holding in the bank has come down from 80 per cent to 61 per cent.
The Kolkata-based bank has 1,013 branches and other forms of banking outlets across the country.
Business Standard has always strived hard to provide up-to-date information and commentary on developments that are of interest to you and have wider political and economic implications for the country and the world. Your encouragement and constant feedback on how to improve our offering have only made our resolve and commitment to these ideals stronger. Even during these difficult times arising out of Covid-19, we continue to remain committed to keeping you informed and updated with credible news, authoritative views and incisive commentary on topical issues of relevance.
We, however, have a request.
As we battle the economic impact of the pandemic, we need your support even more, so that we can continue to offer you more quality content. Our subscription model has seen an encouraging response from many of you, who have subscribed to our online content. More subscription to our online content can only help us achieve the goals of offering you even better and more relevant content. We believe in free, fair and credible journalism. Your support through more subscriptions can help us practise the journalism to which we are committed.
Support quality journalism and subscribe to Business Standard.