Chandra Shekhar Ghosh, MD and CEO of Bandhan Bank, runs BTVI through the highlights of Q1 earnings, which saw a good growth. He says the bank has small amounts of SME, housing, gold and agricultural loan. He says the bank is focusing on credit disbursement to micro sector. Ghosh says the bank’s asset quality is improving while net NPA has come down to 0.56%. He says the bank is waiting for NCLT approval for merger with Gruh Finance.