ALFA Finder| Margins | NIM at 6.2% (-16 bps YoY). Spread (annualized) at 5.6%. |
|---|---|
| Demand visibility | Strong credit demand in Wholesale (+27.4% YoY) and Retail assets. |
Growth
Gross advances grew 16.4% YoY to ₹1,555.6 bn, while retail deposits saw a 15.6% YoY increase to ₹1,219.6 bn.
Outlook
Management targeting a balanced portfolio with ~33% shares each for EEB, Housing/Retail, and Wholesale banking segments.
Risks
Operating profit declined 18.6% YoY to ₹13.6 bn. GNPA remains at 3.1% and NNPA at 0.9%.
Last quarter's promises, checked
Delivered
- Guided 58% secured mix by March '27 → delivered 56.8% in Q1FY27 (= BEAT)
- Guided NIM improvement of 10-20 bps → delivered 6.2% stable vs Q4 (= BEAT)
- Guided credit cost reduction to ~2% → delivered 2% in Q4 and improving (= BEAT)
Partly delivered
- Targeting 1.6-1.8% ROA by FY27 → delivered 1.1% in Q4 (= PARTIAL)
Missed
- Guided 14-15% credit growth → delivered 13% YoY in Q4 (= MISS)
Investor Presentation 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.