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, 2025.
BANDHANBNK · price
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Bandhan Bank reported FY25 PAT of INR 2,745 crore, up 23% YoY, with RoA at 1.5% and RoE at 11.6%. Q4FY25 PAT came in at INR 318 crore (vs INR 55 crore in Q4FY24) on NII of INR 2,756 crore and operating profit of INR 1,571 crore. Advances grew 10% YoY to INR 1.37 lakh crore, with the secured book rising 32% YoY to 50.5% of the mix, while deposits grew 12% YoY to INR 1.51 lakh crore with retail term deposits up 30%. Asset quality held steady at GNPA 4.7% and NNPA 1.3%, with capital adequacy improving to 18.7% post RBI's February risk weight clarification; the board recommended a dividend of INR 1.50 per share.
Despite ongoing microfinance sector stress, the bank is steadily improving its secured loan mix and deposit granularity, which should support long-term stability. Management's multi-year roadmap targets 15-17% advances CAGR, RoA of 1.8-1.9%, and credit cost of 1.5-1.6% over 2-3 years, though near-term NIMs may see some pressure from the continued shift toward secured lending.