Financial Ratios Bandhan Bank Limited

Equities

BANDHANBNK

INE545U01014

Banks

Market Closed - NSE India S.E. Other stock markets 05:19:40 11/07/2025 pm IST			5-day change	1st Jan Change
175.59 ^INR	-1.50%		-4.53%	+10.39%

30/06	Bandhan Bank Limited Announces Resignation of A S Ramasastri as Independent Director, Effective June 30, 2025	CI
27/06	Bandhan Bank Limited Appoints Veni Thapar as Additional and Independent Director, Effective June 27, 2025	CI

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Published financial data: BANDHAN BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2020	2021	2022	2023	2024
Interest Income On Loans	11TCr	13TCr	14TCr	16TCr	19TCr
Interest Income, Total	11TCr	13TCr	14TCr	16TCr	19TCr
Interest On Deposits	4.56TCr	4.96TCr	5.16TCr	6.65TCr	8.54TCr
Interest Expense, Total	4.56TCr	4.96TCr	5.16TCr	6.65TCr	8.54TCr
Net Interest Income	6.32TCr	7.56TCr	8.71TCr	9.26TCr	10TCr
Gain (Loss) on Sale of Assets	48.64L	1.11Cr	40.57L	-45.81L	12.63L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	113.36Cr	308.71Cr	277.05Cr	-105.98Cr	408.58Cr
Total Other Non Interest Income	1.44TCr	1.8TCr	2.55TCr	2.57TCr	1.76TCr
Non Interest Income, Total	1.55TCr	2.11TCr	2.82TCr	2.47TCr	2.16TCr
Revenues Before Provison For Loan Losses	7.87TCr	9.67TCr	12TCr	12TCr	12TCr
Provision For Loan Losses	1.39TCr	3.91TCr	7.88TCr	4.2TCr	3.7TCr
Total Revenues	6.48TCr	5.77TCr	3.65TCr	7.53TCr	8.79TCr
Salaries And Other Employee Benefits	1.37TCr	1.66TCr	2.13TCr	2.71TCr	3.51TCr
Stock-Based Compensation (IS)	-	-	5.24Cr	6.71Cr	35Cr
Occupancy Expense	283.2Cr	324.24Cr	371Cr	491.24Cr	673.47Cr
Selling General & Admin Expenses, Total	141.4Cr	147.63Cr	135.76Cr	205.78Cr	201.18Cr
Total Other Non Interest Expense	634.9Cr	680.65Cr	881.8Cr	1.22TCr	1.43TCr
Non Interest Expense, Total	2.43TCr	2.82TCr	3.52TCr	4.64TCr	5.85TCr
EBT, Excl. Unusual Items	4.05TCr	2.95TCr	128.62Cr	2.89TCr	2.94TCr
EBT, Incl. Unusual Items	4.05TCr	2.95TCr	128.62Cr	2.89TCr	2.94TCr
Income Tax Expense	1.03TCr	743.2Cr	2.83Cr	698.34Cr	713.35Cr
Earnings From Continuing Operations	3.02TCr	2.21TCr	125.79Cr	2.19TCr	2.23TCr
Net Income to Company	3.02TCr	2.21TCr	125.79Cr	2.19TCr	2.23TCr
Net Income - (IS)	3.02TCr	2.21TCr	125.79Cr	2.19TCr	2.23TCr
Net Income to Common Incl Extra Items	3.02TCr	2.21TCr	125.79Cr	2.19TCr	2.23TCr
Net Income to Common Excl. Extra Items	3.02TCr	2.21TCr	125.79Cr	2.19TCr	2.23TCr
Per Share Items
Net EPS - Basic	18.78	13.7	0.78	13.62	13.84
Basic EPS - Continuing Operations	18.78	13.7	0.78	13.62	13.84
Basic Weighted Average Shares Outstanding	161Cr	161.04Cr	161.07Cr	161.08Cr	161.09Cr
Net EPS - Diluted	18.76	13.69	0.78	13.62	13.84
Diluted EPS - Continuing Operations	18.76	13.69	0.78	13.62	13.84
Diluted Weighted Average Shares Outstanding	161.14Cr	161.11Cr	161.12Cr	161.11Cr	161.11Cr
Normalized Basic EPS	15.74	11.44	0.5	11.22	11.42
Normalized Diluted EPS	15.72	11.44	0.5	11.22	11.42
Dividend Per Share	-	1	-	1.5	1.5
Payout Ratio	20.12	-	128.04	-	10.84
Supplemental Items
Effective Tax Rate - (Ratio)	25.4	25.2	2.2	24.14	24.24
Current Domestic Taxes	1.19TCr	761.52Cr	1.01TCr	589.74Cr	601.07Cr
Total Current Taxes	1.19TCr	761.52Cr	1.01TCr	589.74Cr	601.07Cr
Deferred Domestic Taxes	-163.06Cr	-18Cr	-990.02Cr	108.6Cr	122.42Cr
Total Deferred Taxes	-163.06Cr	-18Cr	-990.02Cr	108.6Cr	122.42Cr
Normalized Net Income	2.53TCr	1.84TCr	80Cr	1.81TCr	1.84TCr
Non-Cash Pension Expense	22Cr	6.35Cr	7.01Cr	5.1Cr	6.36Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	-	5.24Cr	6.71Cr	35Cr
Total Stock-Based Compensation	-	-	5.24Cr	6.71Cr	35Cr

Fiscal Period: March	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	2.56TCr	1.72TCr	5.55TCr	2.14TCr	2.22TCr
Investment Securities, Total	15TCr	25TCr	29TCr	32TCr	29TCr
Total investments	15TCr	25TCr	29TCr	32TCr	29TCr
Gross Loans	72TCr	87TCr	99TCr	1,08800Cr	1,24600Cr
Allowance For Loan Losses	-603.38Cr	-2.9TCr	-4.82TCr	-4.07TCr	-3.44TCr
Other Adjustments to Gross Loans	-4.61TCr	-2.12TCr	-	-	-
Net Loans	67TCr	82TCr	94TCr	1,04800Cr	1,21100Cr
Gross Property Plant And Equipment	730.53Cr	929.77Cr	1.13TCr	1.51TCr	2.06TCr
Accumulated Depreciation	-361.77Cr	-443.06Cr	-540.71Cr	-653.63Cr	-887.23Cr
Net Property Plant And Equipment	368.77Cr	486.71Cr	587.89Cr	854.59Cr	1.17TCr
Accrued Interest Receivable	465.93Cr	541.5Cr	1.04TCr	967.21Cr	1.44TCr
Other Receivables	49.38L	51.45L	53.08L	2.23Cr	2.16Cr
Restricted Cash	5.79TCr	4.47TCr	3.77TCr	6.1TCr	14TCr
Other Current Assets, Total	-	236.19Cr	-	44Cr	719.9Cr
Deferred Tax Assets Long-Term (Collected)	210.09Cr	228.42Cr	1.22TCr	1.11TCr	995.6Cr
Other Real Estate Owned And Foreclosed	69Cr	64Cr	59Cr	50Cr	33Cr
Other Long-Term Assets, Total	268.92Cr	475.29Cr	3.59TCr	7.37TCr	6.89TCr
Total Assets	92TCr	1,15000Cr	1,38900Cr	1,55800Cr	1,77800Cr
Liabilities
Interest Bearing Deposits	54TCr	73TCr	91TCr	1,01700Cr	1,25500Cr
Non-Interest Bearing Deposits	3.3TCr	4.57TCr	5.46TCr	6.42TCr	9.66TCr
Total Deposits	57TCr	78TCr	96TCr	1,08100Cr	1,35200Cr
Current Portion of Long-Term Debt	3.62TCr	11TCr	8TCr	14TCr	15TCr
Long-Term Debt	13TCr	6.41TCr	12TCr	11TCr	1.77TCr
Current Income Taxes Payable	91Cr	-	85Cr	1.2Cr	149.45Cr
Accrued Interest Payable	275.44Cr	415.41Cr	110.36Cr	119.56Cr	279.11Cr
Other Current Liabilities - (Bank / Utility Template)	53Cr	269.85Cr	660.22Cr	308.26Cr	814.46Cr
Other Non Current Liabilities	1.97TCr	1.53TCr	4.38TCr	2.98TCr	3.42TCr
Total Liabilities	77TCr	98TCr	1,21500Cr	1,36200Cr	1,56200Cr
Common Stock, Total	1.61TCr	1.61TCr	1.61TCr	1.61TCr	1.61TCr
Additional Paid In Capital	5.41TCr	5.41TCr	5.42TCr	5.42TCr	5.42TCr
Retained Earnings	8.08TCr	10TCr	10TCr	12TCr	14TCr
Comprehensive Income and Other	93Cr	175.81Cr	216.94Cr	254.84Cr	389.68Cr
Total Common Equity	15TCr	17TCr	17TCr	20TCr	22TCr
Total Equity	15TCr	17TCr	17TCr	20TCr	22TCr
Total Liabilities And Equity	92TCr	1,15000Cr	1,38900Cr	1,55800Cr	1,77800Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	161.02Cr	161.06Cr	161.08Cr	161.08Cr	161.1Cr
ECS Total Common Shares Outstanding	161.02Cr	161.06Cr	161.08Cr	161.08Cr	161.1Cr
Book Value / Share	94.37	108.09	107.91	121.58	134.14
Tangible Book Value	15TCr	17TCr	17TCr	20TCr	22TCr
Tangible Book Value Per Share	94.37	108.09	107.91	121.58	134.14
Total Debt	17TCr	17TCr	20TCr	25TCr	16TCr
Deposits at Interest - Cash	5.48TCr	1.94TCr	3.42TCr	1.6TCr	9TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	48Cr	33Cr	27Cr	26Cr	32Cr
Net Debt	14TCr	16TCr	14TCr	23TCr	14TCr
Full Time Employees	39.75T	49.44T	60.21T	69.7T	75.75T
Number Of Offices	1.02T	1.15T	1.19T	1.41T	1.7T

Fiscal Period: March	2020	2021	2022	2023	2024
Net Income	3.02TCr	2.21TCr	125.79Cr	2.19TCr	2.23TCr
Depreciation, Depletion & Amortization	80Cr	103.06Cr	110.04Cr	142.65Cr	237.58Cr
Total Depreciation, Depletion & Amortization	80Cr	103.06Cr	110.04Cr	142.65Cr	237.58Cr
(Gain) Loss On Sale of Asset - (CF)	-48.64L	-1.11Cr	-40.57L	45.81L	-12.63L
(Gain) Loss on Sale of Investments - (CF)	-30Cr	-64Cr	-73Cr	768.87Cr	-280.56Cr
Provision for Credit Losses	1.39TCr	3.75TCr	6.7TCr	5.23TCr	3.68TCr
Stock-Based Compensation (CF)	-	-	5.24Cr	6.71Cr	35Cr
Change in Trading Asset Securities	353.43Cr	-7.41TCr	-2.32TCr	-1.56TCr	2.53TCr
Change in Other Net Operating Assets (Collected)	-9.96TCr	-19TCr	-21TCr	-20TCr	-19TCr
Other Operating Activities	-669.27Cr	-1.16TCr	-627.46Cr	-2.38TCr	-1.81TCr
Cash from Operations	-5.81TCr	-22TCr	-17TCr	-16TCr	-12TCr
Capital Expenditure	-103.2Cr	-222.51Cr	-211.89Cr	-412.09Cr	-557.42Cr
Sale of Property, Plant, and Equipment	99.62L	2.62Cr	1.08Cr	2.28Cr	1.14Cr
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-5.69TCr	-2.33TCr	-1.53TCr	-2.5TCr	824.78Cr
Other Investing Activities, Total	577.79Cr	745.69Cr	1.13TCr	1.29TCr	1.42TCr
Cash from Investing	-5.21TCr	-1.8TCr	-611.83Cr	-1.62TCr	1.69TCr
Short Term Debt Issued, Total	-	1.05TCr	-	4.33TCr	1.76TCr
Long-Term Debt Issued, Total	1.53TCr	-	5.07TCr	457.41Cr	-
Total Debt Issued	1.53TCr	1.05TCr	5.07TCr	4.79TCr	1.76TCr
Short Term Debt Repaid, Total	-694.99Cr	-	-2.11TCr	-	-
Long-Term Debt Repaid, Total	-	-464.48Cr	-	-	-10TCr
Total Debt Repaid	-694.99Cr	-464.48Cr	-2.11TCr	-	-10TCr
Issuance of Common Stock	8.95Cr	7.27Cr	3Cr	1.66Cr	2.4Cr
Common Dividends Paid	-608.45Cr	-	-161.07Cr	-	-241.63Cr
Common & Preferred Stock Dividends Paid	-608.45Cr	-	-161.07Cr	-	-241.63Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	12TCr	21TCr	18TCr	12TCr	27TCr
Other Financing Activities, Total	-86Cr	-	-	-	-
Cash from Financing	12TCr	21TCr	21TCr	17TCr	19TCr
Miscellaneous Cash Flow Adjustments	1.12TCr	-	-	-	-
Net Change in Cash	2.55TCr	-2.16TCr	3.09TCr	-1.07TCr	7.92TCr
Supplemental Items
Cash Income Tax Paid (Refund)	1.13TCr	1.09TCr	689.52Cr	717.33Cr	1.13TCr
Net Debt Issued / Repaid	839.21Cr	581.18Cr	2.96TCr	4.79TCr	-8.34TCr

Fiscal Period: March	2020	2021	2022	2023	2024
Profitability
Return on Assets	4.08	2.13	0.1	1.49	1.34
Return On Equity %	22.91	13.53	0.72	11.87	10.82
Return on Common Equity	22.91	13.53	0.72	11.87	10.82
Shareholders Value Added	1.44TCr	249.24Cr	-1.96TCr	-23Cr	-242.06Cr
Margin Analysis
SG&A Margin	28.86	38.85	75.15	47.05	51.53
Net Interest Income / Total Revenues %	97.59	131.18	238.61	122.97	117.42
EBT Excl. Non-Recurring Items Margin %	62.55	51.14	3.52	38.42	33.47
Income From Continuing Operations Margin %	46.66	38.25	3.44	29.15	25.35
Net Income Margin %	46.66	38.25	3.44	29.15	25.35
Net Avail. For Common Margin %	46.66	38.25	3.44	29.15	25.35
Normalized Net Income Margin	39.1	31.96	2.2	24.01	20.92
Asset quality
Nonperforming Loans / Total Loans %	1.38	6.65	6.46	4.87	3.84
Nonperforming Loans / Total Assets %	1.08	5.01	4.59	3.4	2.69
Nonperforming Assets / Total Assets %	1.08	5.01	4.59	3.4	2.69
NPAs / Loans and OREO	1.38	6.64	6.45	4.87	3.84
NPAs / Equity	6.53	33.08	36.71	27.06	22.14
Allowance for Credit Losses / Net Charge-offs %	95.68	144.29	168.62	70.77	87.51
Allowance for Credit Losses / Nonperforming Loans %	60.78	50.31	75.48	76.82	71.84
Allowance for Credit Losses / Total Loans %	0.84	3.34	4.87	3.74	2.76
Provision for Loan Losses / Net Charge-offs %	220.91	194.59	276.08	73	94.11
Capital And Funding
Total Average Common Equity / Total Average Assets %	17.82	15.77	13.7	12.54	12.34
Total Average Equity / Total Average Assets %	17.82	15.77	13.7	12.54	12.34
Total Equity + Allowance for Loan Losses / Total Loans %	21.99	23.44	22.47	21.74	20.11
Gross Loans / Total Deposits %	125.87	111.11	102.55	100.7	92.14
Net Loans / Total Deposits %	116.73	104.67	97.55	96.93	89.6
Tier 1 Capital Ratio %	25.19	22.48	18.89	18.7	17.21
Total Capital Ratio %	27.43	23.47	20.1	19.76	18.28
Core Tier 1 Capital Ratio	25.19	22.48	18.89	18.7	17.21
Tier 2 Capital Ratio	2.24	0.99	1.21	1.06	1.07
Interbank Ratio	23.12	7.76	24.57	4.41	3.03
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.89	1.59	1.02	1.44	1.34
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	40.67	19.6	15.21	6.26	11.51
Non Interest Income, 1 Yr. Growth %	45.73	36.14	39.59	-12.54	-12.31
Provision For Loan Losses, 1 Yr. Growth %	89.51	180.41	106.4	-46.75	-11.95
Total Revenues, 1 Yr. Growth %	34.35	-11.02	-36.66	106.17	16.79
Earnings From Cont. Operations, 1 Yr. Growth %	54.94	-27.06	-94.3	1.64T	1.59
Net Income, 1 Yr. Growth %	54.94	-27.06	-94.3	1.64T	1.59
Normalized Net Income, 1 Yr. Growth %	34.53	-27.26	-95.64	2.15T	1.73
Diluted EPS Before Extra, 1 Yr. Growth %	17.18	-27.03	-94.3	1.65T	1.62
Dividend Per Share, 1 Yr. Growth %	-	-	-	-	0
Gross Loans, 1 Yr. Growth %	60.46	20.58	14.03	10.16	14.47
Allowance For Loan Losses, 1 Yr. Growth %	2.05	380.08	66.25	-15.48	-15.55
Net Loans, 1 Yr. Growth %	68.07	22.49	15.15	11.47	15.64
Non Performing Loans, 1 Yr. Growth %	21.14	479.96	10.81	-16.95	-9.7
Non Performing Assets, 1 Yr. Growth %	21.14	479.96	10.81	-16.95	-9.7
Total Assets, 1 Yr. Growth %	62.5	25.38	20.74	12.07	13.97
Total Deposits, 1 Yr Growth %	32.04	36.6	23.54	12.19	25.11
Tangible Book Value, 1 Yr. Growth %	35.65	14.56	-0.16	12.67	10.34
Common Equity, 1 Yr. Growth %	35.65	14.56	-0.16	12.67	10.34
Total Equity, 1 Yr. Growth %	35.65	14.56	-0.16	12.67	10.34
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	44.41	29.71	17.39	10.65	8.85
Non Interest Income, 2 Yr. CAGR %	48.11	40.85	34.99	10.48	-12.43
Provision For Loan Losses, 2 Yr. CAGR %	92.95	130.52	137.9	4.83	-31.53
Total Revenues, 2 Yr. CAGR %	38.79	9.33	-24.93	14.28	55.17
Earnings From Cont. Operations, 2 Yr. CAGR %	49.91	6.31	-79.6	-0.25	321
Net Income, 2 Yr. CAGR %	49.91	6.31	-79.6	-0.25	321
Normalized Net Income, 2 Yr. CAGR %	40.41	-1.07	-82.19	-0.95	378.33
Diluted EPS Before Extra, 2 Yr. CAGR %	23.7	-7.53	-79.61	-0.26	321.23
Dividend Per Share, 2 Yr. CAGR %	-	-42.26	-	22.47	-
Gross Loans, 2 Yr. CAGR %	49.05	39.1	17.26	12.08	12.29
Allowance For Loan Losses, 2 Yr. CAGR %	73.59	121.35	182.51	18.54	-15.52
Net Loans, 2 Yr. CAGR %	49.75	43.48	18.76	13.3	13.54
Non Performing Loans, 2 Yr. CAGR %	63.11	165.06	153.5	-4.07	-13.4
Non Performing Assets, 2 Yr. CAGR %	63.11	165.06	153.5	-4.07	-13.4
Total Assets, 2 Yr. CAGR %	43.87	42.74	23.05	16.38	13.11
Total Deposits, 2 Yr CAGR %	29.82	34.3	29.91	17.73	18.47
Tangible Book Value, 2 Yr. CAGR %	27.27	24.66	6.95	6.07	11.5
Common Equity, 2 Yr. CAGR %	27.27	24.66	6.95	6.07	11.5
Total Equity, 2 Yr. CAGR %	27.27	24.66	6.95	6.07	11.5
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	38.05	35.62	24.69	13.55	10.93
Non Interest Income, 3 Yr. CAGR %	55.58	44.01	38.48	16.8	2.29
Provision For Loan Losses, 3 Yr. CAGR %	150.68	118.55	120.53	44.44	-1.09
Total Revenues, 3 Yr. CAGR %	33.45	19.67	-8.86	5.13	15.11
Earnings From Cont. Operations, 3 Yr. CAGR %	39.58	17.9	-59.9	-10.13	0.36
Net Income, 3 Yr. CAGR %	39.58	17.9	-59.9	-10.13	0.36
Normalized Net Income, 3 Yr. CAGR %	33.48	12.77	-65.05	-10.63	-0.06
Diluted EPS Before Extra, 3 Yr. CAGR %	22.72	3.75	-63.48	-10.12	0.36
Dividend Per Share, 3 Yr. CAGR %	-	0	-	-	14.47
Gross Loans, 3 Yr. CAGR %	45.05	38.88	30.18	14.84	12.87
Allowance For Loan Losses, 3 Yr. CAGR %	188.64	143.66	101.2	88.95	5.87
Net Loans, 3 Yr. CAGR %	58.17	40.05	33.34	16.28	14.07
Non Performing Loans, 3 Yr. CAGR %	125.78	148.96	98.19	74.76	-5.98
Non Performing Assets, 3 Yr. CAGR %	125.78	148.96	98.19	74.76	-5.98
Total Assets, 3 Yr. CAGR %	44.76	37.42	35	19.31	15.64
Total Deposits, 3 Yr CAGR %	34.95	32.04	30.61	23.71	20.14
Tangible Book Value, 3 Yr. CAGR %	50.63	22.88	15.77	8.83	7.47
Common Equity, 3 Yr. CAGR %	50.63	22.88	15.77	8.83	7.47
Total Equity, 3 Yr. CAGR %	50.63	22.88	15.77	8.83	7.47
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	-	51.98	29.38	25.02	18.09
Non Interest Income, 5 Yr. CAGR %	117.52	69.69	46.99	28.44	15.28
Provision For Loan Losses, 5 Yr. CAGR %	-	136.05	145.49	62.18	38.13
Total Revenues, 5 Yr. CAGR %	189.6	41.14	6.02	17.48	12.76
Earnings From Cont. Operations, 5 Yr. CAGR %	320.35	51.62	-35.33	10.28	2.7
Net Income, 5 Yr. CAGR %	320.35	51.62	-35.33	10.28	2.7
Normalized Net Income, 5 Yr. CAGR %	237.77	48.12	-40.36	7.07	-0.47
Diluted EPS Before Extra, 5 Yr. CAGR %	242.16	32.12	-40.14	2.13	-2.87
Dividend Per Share, 5 Yr. CAGR %	-	-	-	8.45	-12.94
Gross Loans, 5 Yr. CAGR %	-	40.94	33.22	27.47	22.71
Allowance For Loan Losses, 5 Yr. CAGR %	-	220.75	186.18	82.65	42.2
Net Loans, 5 Yr. CAGR %	-	45.68	41.04	28.66	25.03
Non Performing Loans, 5 Yr. CAGR %	-	214.32	136.48	70	42.32
Non Performing Assets, 5 Yr. CAGR %	-	214.32	136.48	70	42.32
Total Assets, 5 Yr. CAGR %	180.64	42.23	35.65	28.59	25.8
Total Deposits, 5 Yr CAGR %	-	45.18	32.91	26.12	25.61
Tangible Book Value, 5 Yr. CAGR %	97.82	39.17	31.34	15.86	14.04
Common Equity, 5 Yr. CAGR %	97.82	39.17	31.34	15.86	14.04
Total Equity, 5 Yr. CAGR %	97.82	39.17	31.34	15.86	14.04