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

Bandhan Bank has reported its financial results for the quarter ending March 2025, revealing notable trends that merit attention. The bank's evaluation has undergone a revision, with its score reflecting a shift from -8 to -13 over the past three months.
On a positive note, the Capital Adequacy Ratio (CAR) has reached 18.71%, marking the highest level in the last five quarters. This indicates an improvement in the bank's capital base relative to its risk assets, although concerns arise regarding the adequacy of risk in its lending practices.

Conversely, several metrics indicate challenges for Bandhan Bank. The Profit Before Tax (PBT) has reported a significant decline, reaching Rs -388.44 crore, which is substantially lower than the average of the previous four quarters. Similarly, the Profit After Tax (PAT) has decreased to Rs 317.90 crore, reflecting a notable drop compared to past performance. Additionally, the Gross Non-Performing Assets (NPA) have risen to 4.71%, suggesting an increase in stressed loans. The bank's Net Interest Income and Operating Profit have also reached their lowest points in the last five quarters, indicating a decline in core business income and overall efficiency.

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