Are Bandhan Bank latest results good or bad?

Bandhan Bank has reported its financial results for the quarter ending March 2025, highlighting several operational trends. The bank's capital adequacy ratio stands at 18.71%, marking the highest level in the last five quarters, which may suggest a more conservative lending approach. However, the bank has encountered significant challenges, as evidenced by a profit before tax of Rs -388.44 crore, which reflects a notable decline compared to the previous quarters. The profit after tax also saw a reduction, totaling Rs 317.90 crore, which is lower than the average of the prior quarters.
The gross non-performing assets (NPA) ratio has reached 4.71%, the highest in five quarters, indicating an increase in stressed loans. Additionally, both net interest income and operating profit have recorded their lowest figures in the last five quarters, signaling difficulties in the bank's core business operations.

Furthermore, the company experienced an adjustment in its evaluation over the past three months. The interest earned showed a slight decline of 0.82% compared to the previous quarter, while the net profit demonstrated a decrease of 25.46%. Overall, the results reflect a challenging operational environment for Bandhan Bank during this period.