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 improving asset quality and margin expansion. Gross advances stood at INR 1.54 lakh crores (13% YoY growth) while deposits reached INR 1.66 lakh crores. The bank saw healthy momentum in retail deposits with 30% YoY growth and improved CASA ratio to 29.3%. NIMs expanded to 6.2% from 5.9% in Q3, supported by 23 bps reduction in deposit costs. Asset quality improved with gross NPAs stable at 3.3%, net NPAs at 1.0%, and credit costs declining to 2% from 3.3% in Q3. The EEB (microfinance) segment showed sequential slippage improvement from INR 942 crores to INR 690 crores. The board recommended a dividend of INR 1.50 per share. Capital position remains robust with CAR at 18.0% and Tier 1 at 17.3%.
The quarter shows meaningful improvement in profitability and asset quality, with management guiding ROA to reach 1.6%-1.7% by FY27 exit. Focus on retail deposits and secured lending should improve balance sheet stability. The stock appears well-positioned for steady performance if improvement trends in EEB segment and margins continue.