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Earnings Call

Bandhan Bank Earnings Call: Key Takeaways

Bandhan Bank Q4FY26 shows pivot towards secured lending (56.2%) and retail deposits (73.7%). PAT grew 68% YoY to ₹5.3 bn despite declining operating profits.

Highlights
Revenue growthTotal Revenue (Net) grew 3.2% YoY to ₹35.7 bn.
MarginsNIM at 6.2%, down 46 bps YoY.
Order bookGross Advances at ₹1,542.3 bn; Housing/Retail share at 33%.

Growth

Net Interest Income grew 1.4% YoY; Gross Advances rose 12.6% YoY. PAT significantly improved 159% QoQ.

Outlook

Strategic shift to non-EEB book (24.7% YoY growth) and nationwide branch expansion to 1,955 units.

Risks

Operating profit fell 8.3% YoY. GNPA remains at 3.3% with heavy concentration in West Bengal (40% of deposits).

Source

Earnings Call filed with NSE, NSE: BANDHANBNK. Summary written with AI assistance from the document.

Read the document ↗

Bandhan Bank Ltd: key numbers

Share price
₹171.55
Market cap
₹27,639 Cr
Revenue (annual)
₹21,689 Cr
Net profit (annual)
₹1,224 Cr
P/E (TTM)
14.8×Sector 20.8×
Promoter holding
37.00%-0.54% QoQ
FII holding
17.16%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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