Bandhan Bank Limited has informed the Exchange about Transcript of the Earnings Call on the Audited Financial Results for the quarter (Q4) and Financial Year ended March 31, 2026.
BANDHANBNK · price
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Bandhan Bank reported a strong Q4FY26 with PAT of INR 534 crores, up 68% YoY, driven by margin expansion to 6.2% and credit cost reduction to 2%. The bank achieved 13% YoY loan growth (INR 1.54 lakh crores) with notable improvement in deposit quality—retail deposits now form 74% of total deposits, and bulk deposits reduced from 31% to 26%. The EEB (microfinance) segment stabilized with 8% sequential growth, while the secured book grew 25% YoY and forms 56% of the portfolio. Asset quality improved with gross NPAs at 3.3% and provision coverage at 85%. Management guided for ROA improvement to 1.6%-1.7% by FY27 exit, with PSL costs expected to halve in FY27 and further NIM improvement of 10-20 basis points over the next 2-3 quarters.
The quarter shows broad-based improvement in profitability, asset quality, and balance sheet resilience, with management maintaining medium-term ROA targets. The bank's focus on deposit granularity and secured lending diversification strengthens its long-term outlook.