How has been the historical performance of Bandhan Bank?

Answer:The historical performance of Bandhan Bank shows a consistent growth trajectory in various financial metrics over the years. Breakdown: Bandhan Bank's interest earned has increased significantly from INR 10,885.49 crore in March 2020 to INR 21,948.23 crore in March 2025, reflecting a robust growth in income on advances, which rose from INR 5,727.23 crore to INR 19,367.46 crore during the same period. Total income also saw a substantial rise from INR 12,434.69 crore in March 2020 to INR 24,914.83 crore in March 2025. Net interest income followed suit, climbing from INR 6,323.91 crore to INR 11,490.58 crore. However, the total expenditure, excluding depreciation, increased from INR 2,426.54 crore to INR 7,068.50 crore, driven by higher employee costs and operating expenses. Profit before tax showed a recovery from a low of INR 128.62 crore in March 2022 to INR 3,623.28 crore in March 2025, while profit after tax also improved from INR 125.79 crore to INR 2,745.30 crore. The bank's total assets grew from INR 91,905.37 crore in March 2020 to INR 1,91,835.64 crore in March 2025, with deposits increasing from INR 57,081.50 crore to INR 1,51,212.50 crore. Despite fluctuations in net and gross NPAs, the bank maintained a capital adequacy ratio of 18.71% in March 2025, indicating a strong capital position. Overall, Bandhan Bank's financial performance reflects a positive trend in growth and profitability over the years.