Bandhan Bank Ltd Q1 FY27 Share Price & Earnings Call Analysis

Financials of Bandhan Bank Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Bandhan Bank Ltd

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +4,2684,5234,4924,6655,1895,5365,5005,4795,4345,4765,3545,4315,428
Interest1,7962,0322,0492,1402,3302,5312,5662,6642,6782,7182,7652,7432,633
Expenses +2,0401,9162,0362,0993,4962,1152,2943,2813,1442,9622,9773,0892,802
Financing Profit432575407426-637890640-466-388-204-389-401-7
Financing Margin %10%13%9%9%-12%16%12%-9%-7%-4%-7%-7%-0%
Other Income +6293855405457015286091,112700726546691771
Depreciation0000000000000
Profit before tax1,061960947971641,4181,249645311521158290764
Tax %24%25%24%25%15%25%25%34%-2%29%29%29%30%
Net Profit +808721721733551,063937426318372112206534
EPS in Rs5.024.484.484.550.346.605.822.651.972.310.691.283.32
Gross NPA %4.87%6.76%7.32%7.02%3.84%4.23%4.68%4.68%4.71%4.96%5.02%3.33%3.27%
Net NPA %1.17%2.18%2.32%2.21%1.11%1.15%1.29%1.28%1.28%1.36%1.37%0.99%0.97%

Financials of Bandhan Bank Ltd

Profit & Loss

Annual income statement trend

Mar 2015 4mMar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +01,5813,9094,8026,64310,88512,52413,87115,90518,87021,94821,689
Interest06491,5051,7702,1484,5624,9615,1576,6458,55110,45810,859
Expenses +66331,0441,5972,4673,7396,53411,2988,6939,31010,55511,830
Financing Profit-62991,3601,4362,0282,5841,029-2,5845671,009936-1,000
Financing Margin %19%35%30%31%24%8%-19%4%5%4%-5%
Other Income +81504117061,0631,5492,0222,8232,4692,1712,9672,734
Depreciation036678678801031101432382790
Profit before tax24141,7042,0563,0134,0532,9491292,8932,9433,6231,734
Tax %75%33%35%35%35%25%25%2%24%24%24%29%
Net Profit +12751,1121,3461,9523,0242,2051262,1952,2302,7451,224
EPS in Rs0.012.5110.1511.2816.3618.7813.690.7813.6213.8417.047.60
Dividend Payout %0%0%0%9%18%0%7%0%11%11%9%20%

Financials of Bandhan Bank Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital5011,0951,0951,1931,1931,6101,6111,6111,6111,6111,6111,611
Reserves12,2393,3518,18910,00913,58515,79815,77017,97319,99922,99423,645
Deposits12,08923,22933,86943,23257,08277,97296,331108,065135,202151,212166,344
Borrowing03,0521,02928552116,37916,96019,92124,71116,37211,13814,303
Other Liabilities +251,2821,5327741,4873,0622,6755,2343,6774,6594,5205,220
Total Liabilities52719,75630,23644,31056,44291,718115,016138,867156,037177,842191,476211,124
Fixed Assets +02372522382223474324155099598551,401
CWIP10800010922551733462143250
Investments03,7585,5168,37210,03715,35225,15529,07932,36629,28840,71238,668
Other Assets +41815,76124,46835,70046,07375,99789,374109,200122,817147,381149,584171,054
Total Assets52719,75630,23644,31056,44291,718115,016138,867156,037177,842191,476211,124

Financials of Bandhan Bank Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +8,885-2,5992,6956,583-909902-4,24514,8082,7521,143
Cash from Investing Activity +-2,671-2,237-2,373-4,187-1,804-612-1,6181,691-3,879317
Cash from Financing Activity +-2,0232,8461051545882,8034,791-8,579-5,4752,923
Net Cash Flow4,192-1,9894272,550-2,1253,093-1,0717,921-6,6014,382
Free Cash Flow8,803-2,6712,5246,481-1,129691-4,65414,2522,466616
CFO/OP330%-56%91%108%3%62%-49%167%29%18%

Financials of Bandhan Bank Ltd

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %0%14%29%19%19%23%14%1%12%11%12%5%

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What Bandhan Bank Ltd's management said in earlier quarters

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