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Earnings Call Transcript

Bandhan Bank Earnings Call Transcript: Key Takeaways

Q1FY27 shows Bandhan Bank focusing on diversification with a 56.8% secured mix and 62.1% non-east advance share. Operating profit at ₹13.6 bn and PAT at ₹5.0 bn reflect stability amid credit cost reduction to 1.8%.

Highlights
Revenue growthTotal Revenue (Net) grew 1.2% YoY to ₹35.2 bn.
MarginsNIM at 6.2%, down 16 bps YoY.
Demand visibilityStrong growth in Retail and Wholesale banking segments.
Management confidenceHigh on diversification and asset quality improvements.

Growth

Gross advances grew 16.4% YoY to ₹1,555.6 bn; NII increased 5.9% YoY to ₹29.2 bn. PAT grew 34.9% YoY.

Outlook

Strategic shift towards higher secured assets and non-east expansion. Retail deposits now 74% of total base.

Risks

CASA ratio declined 234 bps YoY to 29.4%. Operating profit fell 18.6% YoY due to higher operating expenses.

Source

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

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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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