Bandhan Bank Ltd Q4 FY26 Earnings Analysis
Published 16 Aug 2026 | Banks | Market Cap: ₹27.5K Cr
Price
₹175
Market Cap
₹27.5K Cr
P/E Ratio
20.3
Earnings Summary
Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward. Bandhan Bank aims to improve its Return on Assets (ROA) from current 1.1% to around 1.6%-1.8% by Q4 FY27, indicating a targeted upward trajectory in profitability.
📊 Revenue & Sales Performance
- →Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward.
- →Expected healthy advances growth around 13% YoY, with sequential quarterly growth of 6%.
- →The secured book is anticipated to grow at ~25% YoY, supported by retail secured products like commercial vehicles, construction equipment, auto and gold loans.
- →The EEB (microfinance) segment showed 8% sequential growth QoQ with focus on improving other income from the secured book, not just interest income.
- →Non-EEB portfolio expected to expand robustly (~25% YoY), supported by retail assets (46% YoY growth) and wholesale banking (33% YoY).
- →CASA and retail deposits to continue strong growth, improving liability quality and supporting sustainable revenue growth.
- →Bandhan Bank aims for stable NIM around 6.0% with an overall yield plus other income target of ~7.5% on assets.
- →Fee income and third-party product income expected to grow, enhancing recurring revenue streams.
📈 Profitability & Margins
- →Bandhan Bank aims to improve its Return on Assets (ROA) from current 1.1% to around 1.6%-1.8% by Q4 FY27, indicating a targeted upward trajectory in profitability.
- →Net Interest Margin (NIM) is expected to improve by 10 to 20 basis points sequentially over the next two to three quarters, with an aim of around 6% on total assets by FY27-end.
- →The bank projects total NIM plus other income around 7.5% on assets, focusing more on other income from secured books.
- →Credit cost is expected to reduce significantly from the last year’s 3.0% due to improvements in asset quality and portfolio diversification.
- →Growth in secured loans (targeting 58% of the loan book by FY27) and reasonable growth in the Enterprise and Emerging Businesses (EEB) segment support future earnings growth.
- →Operating profits are expected to benefit from improved margins, controlled cost ratios, and reduced credit costs.
🏗️ Capital Expenditure Plans
💰 Fundraising & Capital Structure
📋 Order Book & Pipeline
Key Metrics
Frequently Asked Questions
What were Bandhan Bank Ltd Q4 FY26 results?
Bandhan Bank targets gradual growth in both secured (58%) and unsecured (42%) loan portfolios, maintaining this mix going forward. Bandhan Bank aims to improve its Return on Assets (ROA) from current 1.1% to around 1.6%-1.8% by Q4 FY27, indicating a targeted upward trajectory in profitability.
What is Bandhan Bank Ltd share price analysis?
Bandhan Bank Ltd currently shows a neutral. The stock trades at a P/E of 20.3 with a market cap of ₹27,463 Cr. Investors should review the full earnings analysis for detailed insights.
Is Bandhan Bank Ltd planning capital expenditure?
The provided transcript from Bandhan Bank's April 28, 2026 conference call does not explicitly mention any current or future capex, capital investment, or strategic investment plans.
This analysis is AI-generated based on publicly available earnings data and concall transcripts. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.