<h1>Strategic Loan Portfolio Realignment: Bandhan Bank Shifts Focus from Unsecured to Secured Lending to Optimize Risk Profile</h1> Bandhan Bank plans to restructure its loan portfolio over the next two to three years, reducing its Emerging Entrepreneurs Business (EEB) unsecured loan segment from 42% to 35% while increasing secured lending. The strategic shift is expected to lower net interest margin by 50 basis points. The bank aims for 15-17% credit growth and reported a significant increase in net profit for the quarter, driven by lower provisions despite a decline in net interest income.