| 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
- ₹162.97
- Market cap
- ₹26,257 Cr
- Revenue (annual)
- ₹21,689 Cr
- Net profit (annual)
- ₹1,224 Cr
- P/E (TTM)
- 19.4×Sector 21.9×
- Promoter holding
- 37.54%-1.44% QoQ
- FII holding
- 18.64%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 Other Announcement
Bandhan Bank updated its list of Key Managerial Personnel authorised to determine and disclose material events under SEBI regulations, effective September 26, 2026.
Bandhan Bank Credit Rating
Bandhan Bank Limited received reaffirmation of its credit ratings from ICRA for its outstanding Non-Convertible Debentures and Certificates of Deposit.
Bandhan Bank Price Movement Clarification
Bandhan Bank clarified that recent news about its new credit card launch is routine business. The bank stated the share price increase is market-driven.
Bandhan Bank Employee Stock Options
Bandhan Bank granted 1,04,87,996 stock options to eligible employees under ESOP Series 1. These options were granted at a price of Rs. 164.95 per option.
Bandhan Bank Management Change
Bandhan Bank announced the re-appointment of Mr. Rajinder Kumar Babbar as Executive Director & Chief Business Officer and changes in its senior management team.
Bandhan Bank Other Announcement
Bandhan Bank Limited has received an ESG score of 58 from ESG Risk Assessments and Insights Limited. This rating falls under the 'Adequate' category.