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Bandhan Bank

  • Market Cap: Small Cap
  • Industry: Private Sector Bank
  • ISIN: INE545U01014
  • NSEID: BANDHANBNK
  • BSEID: 541153
INR
149.49
-2.3 (-1.52%)
BSENSE

Dec 16

BSE+NSE Vol: 45.13 lacs

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stock-recommendationHalf Yearly Results
Results Snapshot
Figures in Cr
Standalone Half Yearly Results
Sep'25
Sep'24
Sep'23
Sep'22
Sep'21
Sep'20
Sep'19
Interest Earned
10,829.44
11,035.64
9,014.85
7,828.81
6,590.90
6,215.72
5,321.58
Income On Investments
1,352.99
1,051.28
1,046.90
897.78
680.83
501.53
385.66
Interest On Balances With Rbi Other Inter Bank Funds
39.11
71.96
37.38
45.48
83.14
87.40
79.95
Interest / Discount On Advances / Bills
9,207.75
9,751.54
7,793.97
6,816.46
5,768.11
5,414.51
4,651.86
Others
229.59
160.86
136.60
69.10
58.81
212.27
204.10
Other Income
1,272.32
1,155.15
925.37
806.11
1,091.72
750.53
691.30
Total Income
12,101.76
12,190.79
9,940.22
8,634.92
7,682.61
6,966.25
6,012.87
Interest Expended
5,483.64
5,115.25
4,080.86
3,121.40
2,541.41
2,481.10
2,217.97
Net Interest Income
5,345.80
5,920.39
4,933.99
4,707.41
4,049.49
3,734.62
3,103.61
Total Expenditure (Excl Depreciation)
3,639.36
3,279.55
2,713.66
2,139.99
1,653.74
1,291.42
1,132.90
Employee Cost
2,200.88
2,049.41
1,674.00
1,300.94
1,045.47
804.18
664.48
Other Operating Expenses
1,438.48
1,230.14
1,039.66
839.05
608.27
487.24
468.42
Operating Profit Before Provisions and Contingencies
2,978.75
3,795.99
3,145.70
3,373.53
3,487.46
3,193.73
2,662.00
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
2,299.47
1,129.24
1,238.24
1,922.10
7,019.94
1,225.60
270.91
Profit Before Tax
679.29
2,666.75
1,907.46
1,451.43
-3,532.48
1,968.13
2,391.10
Tax
195.45
665.84
465.24
355.65
-896.96
498.30
615.68
Profit After Tax
483.83
2,000.91
1,442.22
1,095.78
-2,635.52
1,469.83
1,775.42
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
483.83
2,000.91
1,442.22
1,095.78
-2,635.52
1,469.83
1,775.42
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Earnings per share (EPS)
3.0
12.42
8.95
6.8
-16.36
9.13
11.03
Diluted Earnings per share
3.0
12.42
8.95
6.8
-16.36
9.13
10.98
Operating Profit Margin (Excl OI)
45.16%
60.05%
56.16%
48.11%
-31.6%
59.51%
73.62%
Gross Profit Margin
6.27%
24.16%
21.16%
18.54%
-53.6%
31.66%
44.93%
PAT Margin
4.47%
18.13%
16.0%
14.0%
-39.99%
23.65%
33.36%
Net Interest Margin
6.1%
7.5%
0.0%
0.0%
0.0%
8.0%
8.2%
Return on Assets
0.25%
1.14%
0.96%
0.79%
-2.34%
1.49%
2.26%
CASA (%)
28.0%
33.2%
38.5%
40.8%
44.6%
38.2%
33.4%
CASA Amount
44,210.00
55,750.00
43,200.00
40,520.00
36,550.00
25,280.00
16,187.00
Capital Adequacy Ratio (Total)
18.23%
14.34%
19.21%
19.37%
20.44%
25.68%
25.09%
Capital Adequacy Ratio (Tier 1)
17.4%
13.6%
18.2%
18.4%
19.48%
22.2%
23.01%
Provision Coverage Ratio (%)
73.7%
73.5%
70.0%
75.5%
74.0%
0.0%
0.0%
Amount of Gross NPAs
7,015.13
6,105.30
7,873.83
6,853.85
8,763.60
873.97
1,064.21
Amount of Net NPAs
1,843.55
1,620.20
2,365.19
1,678.16
2,265.81
262.55
336.88
% of Net NPAs
1.37%
1.29%
2.32%
1.86%
3.04%
0.36%
0.56%
% of Gross NPAs
5.02%
4.68%
7.32%
7.19%
10.82%
1.18%
1.76%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
438.0
438.0
438.0
432.0
487.0
487.0
485.0
Number of Branches
1754.0
1703.0
1621.0
1190.0
1168.0
1045.0
1000.0
Half Yearly Analysis Highlights
stock-summary

Interest Earned

Growth in half year ended Sep 2025 is -1.87% vs 22.42% in Sep 2024

stock-summary

Net Profit

Growth in half year ended Sep 2025 is -75.82% vs 38.74% in Sep 2024

stock-summary

Operating Profit (PBDIT)

Growth in half year ended Sep 2025 is -21.53% vs 20.67% in Sep 2024

stock-summary

% of Net NPAs

Growth in half year ended Sep 2025 is 0.08% vs -1.03% in Sep 2024

stock-summary

% of Gross NPAs

Growth in half year ended Sep 2025 is 0.34% vs -2.64% in Sep 2024

Compare Half Yearly Results Of Bandhan Bank With
Markets Mojo
Figures in Cr
Standalone Half Yearly Results
Markets Mojo
Markets Mojo
Change(INR)
Change(%)
Interest Earned
10,829.44
13,428.79
-2,599.35
-19.36%
Income On Investments
1,352.99
2,303.03
-950.04
-41.25%
Interest On Balances With Rbi Other Inter Bank Funds
39.11
261.53
-222.42
-85.05%
Interest / Discount On Advances / Bills
9,207.75
10,706.29
-1,498.54
-14.0%
Others
229.59
157.94
71.65
45.37%
Other Income
1,272.32
2,195.15
-922.83
-42.04%
Total Income
12,101.76
15,623.94
-3,522.18
-22.54%
Interest Expended
5,483.64
8,596.72
-3,113.08
-36.21%
Net Interest Income
5,345.80
4,832.07
513.73
10.63%
Total Expenditure (Excl Depreciation)
3,639.36
3,826.76
-187.40
-4.9%
Employee Cost
2,200.88
1,601.05
599.83
37.46%
Other Operating Expenses
1,438.48
2,225.71
-787.23
-35.37%
Operating Profit Before Provisions and Contingencies
2,978.75
3,200.46
-221.71
-6.93%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
2,299.47
763.25
1,536.22
201.27%
Profit Before Tax
679.29
2,437.21
-1,757.92
-72.13%
Tax
195.45
620.20
-424.75
-68.49%
Profit After Tax
483.83
1,817.01
-1,333.18
-73.37%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
483.83
1,817.01
-1,333.18
-73.37%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Earnings per share (EPS)
3.00
7.39
-4.39
-59.4%
Diluted Earnings per share
3.00
7.32
-4.32
-59.02%
Operating Profit Margin (Excl OI)
45.16%
65.82%
0.00
-20.66%
Gross Profit Margin
6.27%
18.15%
0.00
-11.88%
PAT Margin
4.47%
13.53%
0.00
-9.06%
Net Interest Margin
6.10%
0.00%
6.10
6.10%
Return on Assets
0.25%
0.52%
-0.27
-0.27%
CASA (%)
28.00%
31.01%
-3.01
-3.01%
CASA Amount
44,210.00
89,591.00
-45,381.00
-50.65%
Capital Adequacy Ratio (Total)
18.23%
15.71%
2.52
2.52%
Capital Adequacy Ratio (Tier 1)
17.40%
14.37%
3.03
3.03%
Provision Coverage Ratio (%)
73.70%
73.45%
0.25
0.25%
Amount of Gross NPAs
7,015.13
4,532.01
2,483.12
54.79%
Amount of Net NPAs
1,843.55
1,165.16
678.39
58.22%
% of Net NPAs
1.37%
0.48%
0.89
0.89%
% of Gross NPAs
5.02%
1.83%
3.19
3.19%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
438.00
2,082.00
-1,644.00
-78.96%
Number of Branches
1,754.00
1,595.00
159.00
9.97%
Half Yearly - Interest Earned
Interest Earned 10829.44 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -1.87% vs 22.42% in Sep 2024

Half Yearly - Net Profit
Net Profit 483.83 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -75.82% vs 38.74% in Sep 2024

Half Yearly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,978.75 Cr
in Sep 2025

Figures in Cr
stock-summary

Growth in half year ended Sep 2025 is -21.53% vs 20.67% in Sep 2024

Half Yearly - % of Net NPAs
% of Net NPAs 1.37%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.08% vs -1.03% in Sep 2024

Half Yearly - % of Gross NPAs
% of Gross NPAs 5.02%
in Sep 2025

Figures in %
stock-summary

Growth in half year ended Sep 2025 is 0.34% vs -2.64% in Sep 2024

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