Bandhan Bank Reports Mixed Financial Results Amid Rising Non-Performing Assets in March 2025

Bandhan Bank has recently reported its financial results for the quarter ending March 2025, revealing a complex landscape of performance indicators. The bank's evaluation has undergone a revision, reflecting a notable shift in its score.
On a positive note, the Capital Adequacy Ratio (CAR) has reached its highest level in the last five quarters at 18.71%, indicating an improvement in the bank's capital base relative to its risk assets. This suggests a cautious approach to risk in its lending practices.

Conversely, several metrics indicate challenges for Bandhan Bank. The Profit Before Tax (PBT) has shown a significant decline, with a reported figure of Rs -388.44 crore, which is markedly lower than the average PBT of the previous four quarters. Similarly, the Profit After Tax (PAT) has also decreased, standing at Rs 317.90 crore, reflecting a substantial drop compared to past performance. Additionally, the Gross Non-Performing Assets (NPA) ratio has reached 4.71%, the highest in five quarters, signaling an increase in stressed loans.

The bank's Net Interest Income has fallen to Rs 2,755.89 crore, the lowest in the last five quarters, while the Credit Deposit Ratio has also decreased, indicating a reduction in revenue-generating assets. Furthermore, the Operating Profit and Operating Profit Margin have both hit their lowest points in recent quarters, suggesting a decline in operational efficiency.

In summary, Bandhan Bank's recent financial results highlight a mix of strengths and weaknesses, leading to an adjustment in its evaluation.

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