Over these years, the bank has gradually de-risked its balance sheet by reducing its microfinance exposure from 85% in August 2016 to 61% at present. Housing loans currently constitute 30% of its total loan portfolio and MSME loans constitute the remaining 9%. In an interview to news agency PTI, Bandhan Bank MD and CEO Chandra Sekhar Ghosh said over the next three-five years, the bank's ratio of micro and non-microcredit will be 50:50.