ALFA Finder| Margins | Operating profit before provisions fell to ₹5,864.92 Cr for FY26. |
|---|
Growth
FY26 Total Income grew marginally to ₹24,423.14 Cr; Net Profit fell 55.4% YoY from ₹2,745.30 Cr in FY25.
Outlook
Management proposed a dividend of ₹1.50 per share. Focus remains on retail banking and sovereign investments.
Risks
Higher provisions and contingencies (₹4,131.11 Cr in FY26) and increased operating expenses impacted the bottom line.
Last quarter's promises, checked
Delivered
- Guided 58% secured mix by FY27 → delivered 56% in Q4FY26 (= BEAT)
- Guided PCR including technical write-offs → delivered 85% (= BEAT)
- Guided retail deposit composition → delivered 74% (= BEAT)
Partly delivered
- Guided ROA 1.6%-1.8% by FY27 → delivered 1.1% in Q4FY26 (= PARTIAL)
- Guided NIM expansion → delivered 6.2% vs 5.9% QoQ (= PARTIAL)
- Guided credit cost reduction → delivered 2% in Q4 vs 3% full year (= PARTIAL)
Missed
- Guided Net Profit (implied) → delivered 55.4% YoY decline in FY26 (= MISS)
Earnings Call Transcript filed with BSE, NSE: BANDHANBNK. Summary written with AI assistance from 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.
More from Bandhan Bank Ltd
All →Bandhan Bank Employee Stock Options
Bandhan Bank's board granted 32,98,871 stock options under ESOP Series 1 (Tranche 9) at Rs 151.91 per option. The options vest over four years, with each option convertible into one equity share.
Bandhan Bank Earnings Call Transcript: Key Takeaways
Bandhan Bank is pivoting from its MFI roots toward a universal banking model, with non-EEB growth and secured assets stabilizing the balance sheet despite CASA pressure and transitionary headwinds in housing.
- Call
- Guides 14% growth
Bandhan Bank Investor Presentation: Key Takeaways
Q2FY27: PAT ₹6.2bn (+23.9% QoQ), NII ₹29.6bn (+14.4% YoY), operating profit ₹15.6bn (+18.8% YoY), NIM 6.1%, GNPA 3.1%. Secured mix rose to 57.3%.
Bandhan Bank Q2 FY27 Results: Net Profit ₹621.8 Cr, Up 455.7% YoY
Bandhan Bank Ltd reported revenue from operations of ₹5,754 Cr (+7.5% YoY) and net profit of ₹621.8 Cr (+455.7% YoY) for Q2 FY27.
- Key figure
- Net profit ₹621.8 Cr · +455.7% YoY
Bandhan Bank Price Movement Clarification
Bandhan Bank denies a Moneycontrol report linking it to First Abu Dhabi Bank acquisition talks, stating the reference in the article is factually incorrect.
Bandhan Bank Other Announcement
Bandhan Bank Ltd has submitted its quarterly shareholding pattern for the period ended September 30, 2026, as required by regulatory compliance.