Financial Ratios Bandhan Bank Limited

Equities

BANDHANBNK

INE545U01014

Banks

Delayed NSE India S.E. Other stock markets 12:51:14 14/01/2026 pm IST			5-day change	1st Jan Change
144.30 ^INR	+0.65%		-2.30%	-1.08%

29/12	Asset Reconstruction Company Limited acquired Identified Non-Performing Assets Portfolio of Bandhan Bank Limited for INR 5.7 billion.	CI
26/12	Bandhan Bank says Ratan Kumar Kesh re-appointed as executive director for 3 years	RE

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Published financial data: BANDHAN BANK LIMITED

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: March	2021	2022	2023	2024	2025
Interest Income On Loans	13TCr	14TCr	16TCr	19TCr	22TCr
Interest Income, Total	13TCr	14TCr	16TCr	19TCr	22TCr
Interest On Deposits	4.96TCr	5.16TCr	6.65TCr	8.54TCr	10TCr
Interest Expense, Total	4.96TCr	5.16TCr	6.65TCr	8.54TCr	10TCr
Net Interest Income	7.56TCr	8.71TCr	9.26TCr	10TCr	11TCr
Gain (Loss) on Sale of Assets	1.11Cr	40.57L	-45.81L	12.63L	-2L
Gain (Loss) on Sale of Invest. & Securities - (Rev)	308.71Cr	277.05Cr	-105.98Cr	408.58Cr	421.47Cr
Total Other Non Interest Income	1.8TCr	2.55TCr	2.57TCr	1.76TCr	2.55TCr
Non Interest Income, Total	2.11TCr	2.82TCr	2.47TCr	2.16TCr	2.97TCr
Revenues Before Provison For Loan Losses	9.67TCr	12TCr	12TCr	12TCr	14TCr
Provision For Loan Losses	3.91TCr	7.88TCr	4.2TCr	3.7TCr	4.64TCr
Total Revenues	5.77TCr	3.65TCr	7.53TCr	8.79TCr	9.81TCr
Salaries And Other Employee Benefits	1.66TCr	2.13TCr	2.71TCr	3.51TCr	4.15TCr
Stock-Based Compensation (IS)	-	5.24Cr	6.71Cr	35Cr	210.7Cr
Occupancy Expense	324.24Cr	371Cr	491.24Cr	673.47Cr	812.62Cr
Selling General & Admin Expenses, Total	147.63Cr	135.76Cr	205.78Cr	201.18Cr	208.67Cr
Total Other Non Interest Expense	680.65Cr	881.8Cr	1.22TCr	1.43TCr	1.69TCr
Non Interest Expense, Total	2.82TCr	3.52TCr	4.64TCr	5.85TCr	7.07TCr
EBT, Excl. Unusual Items	2.95TCr	128.62Cr	2.89TCr	2.94TCr	2.75TCr
EBT, Incl. Unusual Items	2.95TCr	128.62Cr	2.89TCr	2.94TCr	2.75TCr
Income Tax Expense	743.2Cr	2.83Cr	698.34Cr	713.35Cr	-
Earnings From Continuing Operations	2.21TCr	125.79Cr	2.19TCr	2.23TCr	2.75TCr
Net Income to Company	2.21TCr	125.79Cr	2.19TCr	2.23TCr	2.75TCr
Net Income - (IS)	2.21TCr	125.79Cr	2.19TCr	2.23TCr	2.75TCr
Net Income to Common Incl Extra Items	2.21TCr	125.79Cr	2.19TCr	2.23TCr	2.75TCr
Net Income to Common Excl. Extra Items	2.21TCr	125.79Cr	2.19TCr	2.23TCr	2.75TCr
Per Share Items
Net EPS - Basic	13.7	0.78	13.62	13.84	17.04
Basic EPS - Continuing Operations	13.7	0.78	13.62	13.84	17.04
Basic Weighted Average Shares Outstanding	161.04Cr	161.07Cr	161.08Cr	161.09Cr	161.1Cr
Net EPS - Diluted	13.69	0.78	13.62	13.84	17.04
Diluted EPS - Continuing Operations	13.69	0.78	13.62	13.84	17.04
Diluted Weighted Average Shares Outstanding	161.11Cr	161.12Cr	161.11Cr	161.11Cr	161.11Cr
Normalized Basic EPS	11.44	0.5	11.22	11.42	10.65
Normalized Diluted EPS	11.44	0.5	11.22	11.42	10.65
Dividend Per Share	1	-	1.5	1.5	1.5
Payout Ratio	-	128.04	-	10.84	8.8
Supplemental Items
Effective Tax Rate - (Ratio)	25.2	2.2	24.14	24.24	-
Current Domestic Taxes	761.52Cr	1.01TCr	589.74Cr	601.07Cr	1TCr
Total Current Taxes	761.52Cr	1.01TCr	589.74Cr	601.07Cr	1TCr
Deferred Domestic Taxes	-18Cr	-990.02Cr	108.6Cr	122.42Cr	-98Cr
Total Deferred Taxes	-18Cr	-990.02Cr	108.6Cr	122.42Cr	-98Cr
Normalized Net Income	1.84TCr	80Cr	1.81TCr	1.84TCr	1.72TCr
Non-Cash Pension Expense	6.35Cr	7.01Cr	5.1Cr	6.36Cr	17Cr
Supplemental Operating Expense Items
Stock-Based Comp., Other (Total)	-	5.24Cr	6.71Cr	35Cr	210.7Cr
Total Stock-Based Compensation	-	5.24Cr	6.71Cr	35Cr	210.7Cr

Fiscal Period: March	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	1.72TCr	5.55TCr	2.14TCr	2.22TCr	2.95TCr
Investment Securities, Total	25TCr	29TCr	32TCr	29TCr	41TCr
Total investments	25TCr	29TCr	32TCr	29TCr	41TCr
Gross Loans	87TCr	99TCr	1,08800Cr	1,24600Cr	1,36700Cr
Allowance For Loan Losses	-2.9TCr	-4.82TCr	-4.07TCr	-3.44TCr	-4.74TCr
Other Adjustments to Gross Loans	-2.12TCr	-	-	-	-
Net Loans	82TCr	94TCr	1,04800Cr	1,21100Cr	1,32000Cr
Gross Property Plant And Equipment	929.77Cr	1.13TCr	1.51TCr	2.06TCr	2.34TCr
Accumulated Depreciation	-443.06Cr	-540.71Cr	-653.63Cr	-887.23Cr	-1.16TCr
Net Property Plant And Equipment	486.71Cr	587.89Cr	854.59Cr	1.17TCr	1.18TCr
Accrued Interest Receivable	541.5Cr	1.04TCr	967.21Cr	1.44TCr	1.6TCr
Other Receivables	51.45L	53.08L	2.23Cr	2.16Cr	2.07Cr
Restricted Cash	4.47TCr	3.77TCr	6.1TCr	14TCr	6.62TCr
Other Current Assets, Total	236.19Cr	-	44Cr	719.9Cr	113.87Cr
Deferred Tax Assets Long-Term (Collected)	228.42Cr	1.22TCr	1.11TCr	995.6Cr	1.01TCr
Other Real Estate Owned And Foreclosed	64Cr	59Cr	50Cr	33Cr	-
Other Long-Term Assets, Total	475.29Cr	3.59TCr	7.37TCr	6.89TCr	5.31TCr
Total Assets	1,15000Cr	1,38900Cr	1,55800Cr	1,77800Cr	1,91500Cr
Liabilities
Interest Bearing Deposits	73TCr	91TCr	1,01700Cr	1,25500Cr	1,43100Cr
Non-Interest Bearing Deposits	4.57TCr	5.46TCr	6.42TCr	9.66TCr	8.09TCr
Total Deposits	78TCr	96TCr	1,08100Cr	1,35200Cr	1,51200Cr
Current Portion of Long-Term Debt	11TCr	8TCr	14TCr	15TCr	7.8TCr
Long-Term Debt	6.41TCr	12TCr	11TCr	1.77TCr	3.33TCr
Current Income Taxes Payable	-	85Cr	1.2Cr	149.45Cr	17Cr
Accrued Interest Payable	415.41Cr	110.36Cr	119.56Cr	279.11Cr	393.01Cr
Other Current Liabilities - (Bank / Utility Template)	269.85Cr	660.22Cr	308.26Cr	814.46Cr	749.3Cr
Other Non Current Liabilities	1.53TCr	4.38TCr	2.98TCr	3.42TCr	3.36TCr
Total Liabilities	98TCr	1,21500Cr	1,36200Cr	1,56200Cr	1,66900Cr
Common Stock, Total	1.61TCr	1.61TCr	1.61TCr	1.61TCr	1.61TCr
Additional Paid In Capital	5.41TCr	5.42TCr	5.42TCr	5.42TCr	5.42TCr
Retained Earnings	10TCr	10TCr	12TCr	14TCr	17TCr
Comprehensive Income and Other	175.81Cr	216.94Cr	254.84Cr	389.68Cr	725.17Cr
Total Common Equity	17TCr	17TCr	20TCr	22TCr	25TCr
Total Equity	17TCr	17TCr	20TCr	22TCr	25TCr
Total Liabilities And Equity	1,15000Cr	1,38900Cr	1,55800Cr	1,77800Cr	1,91500Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	161.06Cr	161.08Cr	161.08Cr	161.1Cr	161.1Cr
ECS Total Common Shares Outstanding	161.06Cr	161.08Cr	161.08Cr	161.1Cr	161.1Cr
Book Value / Share	108.09	107.91	121.58	134.14	152.73
Tangible Book Value	17TCr	17TCr	20TCr	22TCr	25TCr
Tangible Book Value Per Share	108.09	107.91	121.58	134.14	152.73
Total Debt	17TCr	20TCr	25TCr	16TCr	11TCr
Deposits at Interest - Cash	1.94TCr	3.42TCr	1.6TCr	9TCr	1.73TCr
Debt Equivalent of Unfunded Proj. Benefit Obligation	33Cr	27Cr	26Cr	32Cr	59Cr
Net Debt	16TCr	14TCr	23TCr	14TCr	8.19TCr
Full Time Employees	49.44T	60.21T	69.7T	75.75T	75.03T
Number Of Offices	1.15T	1.19T	1.41T	1.7T	1.72T

Fiscal Period: March	2021	2022	2023	2024	2025
Net Income	2.21TCr	125.79Cr	2.19TCr	2.23TCr	2.75TCr
Depreciation, Depletion & Amortization	103.06Cr	110.04Cr	142.65Cr	237.58Cr	279.2Cr
Total Depreciation, Depletion & Amortization	103.06Cr	110.04Cr	142.65Cr	237.58Cr	279.2Cr
(Gain) Loss On Sale of Asset - (CF)	-1.11Cr	-40.57L	45.81L	-12.63L	2L
(Gain) Loss on Sale of Investments - (CF)	-64Cr	-73Cr	768.87Cr	-280.56Cr	-303.44Cr
Provision for Credit Losses	3.75TCr	6.7TCr	5.23TCr	3.68TCr	3.63TCr
Stock-Based Compensation (CF)	-	5.24Cr	6.71Cr	35Cr	210.7Cr
Change in Trading Asset Securities	-7.41TCr	-2.32TCr	-1.56TCr	2.53TCr	-5.7TCr
Change in Other Net Operating Assets (Collected)	-19TCr	-21TCr	-20TCr	-19TCr	-13TCr
Other Operating Activities	-1.16TCr	-627.46Cr	-2.38TCr	-1.81TCr	-1.03TCr
Cash from Operations	-22TCr	-17TCr	-16TCr	-12TCr	-13TCr
Capital Expenditure	-222.51Cr	-211.89Cr	-412.09Cr	-557.42Cr	-288.07Cr
Sale of Property, Plant, and Equipment	2.62Cr	1.08Cr	2.28Cr	1.14Cr	1.89Cr
Cash Acquisitions	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	-2.33TCr	-1.53TCr	-2.5TCr	824.78Cr	-5.05TCr
Other Investing Activities, Total	745.69Cr	1.13TCr	1.29TCr	1.42TCr	1.46TCr
Cash from Investing	-1.8TCr	-611.83Cr	-1.62TCr	1.69TCr	-3.88TCr
Short Term Debt Issued, Total	1.05TCr	-	4.33TCr	1.76TCr	-
Long-Term Debt Issued, Total	-	5.07TCr	457.41Cr	-	-
Total Debt Issued	1.05TCr	5.07TCr	4.79TCr	1.76TCr	-
Short Term Debt Repaid, Total	-	-2.11TCr	-	-	-2.08TCr
Long-Term Debt Repaid, Total	-464.48Cr	-	-	-10TCr	-3.16TCr
Total Debt Repaid	-464.48Cr	-2.11TCr	-	-10TCr	-5.23TCr
Issuance of Common Stock	7.27Cr	3Cr	1.66Cr	2.4Cr	3L
Common Dividends Paid	-	-161.07Cr	-	-241.63Cr	-241.65Cr
Common & Preferred Stock Dividends Paid	-	-161.07Cr	-	-241.63Cr	-241.65Cr
Net Increase (Decrease) in Deposit Accounts - (CF)	21TCr	18TCr	12TCr	27TCr	16TCr
Other Financing Activities, Total	-	-	-	-	-
Cash from Financing	21TCr	21TCr	17TCr	19TCr	11TCr
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	-2.16TCr	3.09TCr	-1.07TCr	7.92TCr	-6.6TCr
Supplemental Items
Cash Income Tax Paid (Refund)	1.09TCr	689.52Cr	717.33Cr	1.13TCr	511.49Cr
Net Debt Issued / Repaid	581.18Cr	2.96TCr	4.79TCr	-8.34TCr	-5.23TCr

Fiscal Period: March	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.13	0.1	1.49	1.34	1.49
Return On Equity %	13.53	0.72	11.87	10.82	11.88
Return on Common Equity	13.53	0.72	11.87	10.82	11.88
Shareholders Value Added	249.24Cr	-1.96TCr	-23Cr	-242.06Cr	-28Cr
Margin Analysis
SG&A Margin	38.85	75.15	47.05	51.53	54.54
Net Interest Income / Total Revenues %	131.18	238.61	122.97	117.42	117.09
EBT Excl. Non-Recurring Items Margin %	51.14	3.52	38.42	33.47	27.97
Income From Continuing Operations Margin %	38.25	3.44	29.15	25.35	27.97
Net Income Margin %	38.25	3.44	29.15	25.35	27.97
Net Avail. For Common Margin %	38.25	3.44	29.15	25.35	27.97
Normalized Net Income Margin	31.96	2.2	24.01	20.92	17.48
Asset quality
Nonperforming Loans / Total Loans %	6.65	6.46	4.87	3.84	4.71
Nonperforming Loans / Total Assets %	5.01	4.59	3.4	2.69	3.36
Nonperforming Assets / Total Assets %	5.01	4.59	3.4	2.69	3.36
NPAs / Loans and OREO	6.64	6.45	4.87	3.84	4.71
NPAs / Equity	33.08	36.71	27.06	22.14	26.16
Allowance for Credit Losses / Net Charge-offs %	144.29	168.62	70.77	87.51	190.76
Allowance for Credit Losses / Nonperforming Loans %	50.31	75.48	76.82	71.84	73.7
Allowance for Credit Losses / Total Loans %	3.34	4.87	3.74	2.76	3.47
Provision for Loan Losses / Net Charge-offs %	194.59	276.08	73	94.11	186.77
Capital And Funding
Total Average Common Equity / Total Average Assets %	15.77	13.7	12.54	12.34	12.51
Total Average Equity / Total Average Assets %	15.77	13.7	12.54	12.34	12.51
Total Equity + Allowance for Loan Losses / Total Loans %	23.44	22.47	21.74	20.11	21.46
Gross Loans / Total Deposits %	111.11	102.55	100.7	92.14	90.42
Net Loans / Total Deposits %	104.67	97.55	96.93	89.6	87.29
Tier 1 Capital Ratio %	22.48	18.89	18.7	17.21	17.86
Total Capital Ratio %	23.47	20.1	19.76	18.28	18.71
Core Tier 1 Capital Ratio	22.48	18.89	18.7	17.21	17.86
Tier 2 Capital Ratio	0.99	1.21	1.06	1.07	0.85
Interbank Ratio	7.76	24.57	4.41	3.03	1.21
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	1.59	1.02	1.44	1.34	1.26
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	19.6	15.21	6.26	11.51	11.36
Non Interest Income, 1 Yr. Growth %	36.14	39.59	-12.54	-12.31	36.62
Provision For Loan Losses, 1 Yr. Growth %	180.41	106.4	-46.75	-11.95	5.29
Total Revenues, 1 Yr. Growth %	-11.02	-36.66	106.17	16.79	21.45
Earnings From Cont. Operations, 1 Yr. Growth %	-27.06	-94.3	1.64T	1.59	23.13
Net Income, 1 Yr. Growth %	-27.06	-94.3	1.64T	1.59	23.13
Normalized Net Income, 1 Yr. Growth %	-27.26	-95.64	2.15T	1.73	23.13
Diluted EPS Before Extra, 1 Yr. Growth %	-27.03	-94.3	1.65T	1.62	23.12
Dividend Per Share, 1 Yr. Growth %	-	-	-	0	0
Gross Loans, 1 Yr. Growth %	20.58	14.03	10.16	14.47	9.76
Allowance For Loan Losses, 1 Yr. Growth %	380.08	66.25	-15.48	-15.55	37.98
Net Loans, 1 Yr. Growth %	22.49	15.15	11.47	15.64	8.96
Non Performing Loans, 1 Yr. Growth %	479.96	10.81	-16.95	-9.7	34.5
Non Performing Assets, 1 Yr. Growth %	479.96	10.81	-16.95	-9.7	34.5
Total Assets, 1 Yr. Growth %	25.38	20.74	12.07	13.97	7.67
Total Deposits, 1 Yr Growth %	36.6	23.54	12.19	25.11	11.84
Tangible Book Value, 1 Yr. Growth %	14.56	-0.16	12.67	10.34	13.86
Common Equity, 1 Yr. Growth %	14.56	-0.16	12.67	10.34	13.86
Total Equity, 1 Yr. Growth %	14.56	-0.16	12.67	10.34	13.86
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	29.71	17.39	10.65	8.85	11.4
Non Interest Income, 2 Yr. CAGR %	40.85	34.99	10.48	-12.43	9.62
Provision For Loan Losses, 2 Yr. CAGR %	130.52	137.9	4.83	-31.53	5.17
Total Revenues, 2 Yr. CAGR %	9.33	-24.93	14.28	55.17	14.16
Earnings From Cont. Operations, 2 Yr. CAGR %	6.31	-79.6	-0.25	321	11.84
Net Income, 2 Yr. CAGR %	6.31	-79.6	-0.25	321	11.84
Normalized Net Income, 2 Yr. CAGR %	-1.07	-82.19	-0.95	378.33	-2.59
Diluted EPS Before Extra, 2 Yr. CAGR %	-7.53	-79.61	-0.26	321.23	11.85
Dividend Per Share, 2 Yr. CAGR %	-42.26	-	22.47	-	0
Gross Loans, 2 Yr. CAGR %	39.1	17.26	12.08	12.29	12.09
Allowance For Loan Losses, 2 Yr. CAGR %	121.35	182.51	18.54	-15.52	7.94
Net Loans, 2 Yr. CAGR %	43.48	18.76	13.3	13.54	12.25
Non Performing Loans, 2 Yr. CAGR %	165.06	153.5	-4.07	-13.4	10.21
Non Performing Assets, 2 Yr. CAGR %	165.06	153.5	-4.07	-13.4	10.21
Total Assets, 2 Yr. CAGR %	42.74	23.05	16.38	13.11	10.78
Total Deposits, 2 Yr CAGR %	34.3	29.91	17.73	18.47	18.29
Tangible Book Value, 2 Yr. CAGR %	24.66	6.95	6.07	11.5	12.09
Common Equity, 2 Yr. CAGR %	24.66	6.95	6.07	11.5	12.09
Total Equity, 2 Yr. CAGR %	24.66	6.95	6.07	11.5	12.09
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	35.62	24.69	13.55	10.93	9.66
Non Interest Income, 3 Yr. CAGR %	44.01	38.48	16.8	2.29	1.67
Provision For Loan Losses, 3 Yr. CAGR %	118.55	120.53	44.44	-1.09	-16.18
Total Revenues, 3 Yr. CAGR %	19.67	-8.86	5.13	15.11	39.03
Earnings From Cont. Operations, 3 Yr. CAGR %	17.9	-59.9	-10.13	0.36	179.45
Net Income, 3 Yr. CAGR %	17.9	-59.9	-10.13	0.36	179.45
Normalized Net Income, 3 Yr. CAGR %	12.77	-65.05	-10.63	-0.06	177.39
Diluted EPS Before Extra, 3 Yr. CAGR %	3.75	-63.48	-10.12	0.36	179.55
Dividend Per Share, 3 Yr. CAGR %	0	-	-	14.47	-
Gross Loans, 3 Yr. CAGR %	38.88	30.18	14.84	12.87	11.44
Allowance For Loan Losses, 3 Yr. CAGR %	143.66	101.2	88.95	5.87	-0.51
Net Loans, 3 Yr. CAGR %	40.05	33.34	16.28	14.07	11.99
Non Performing Loans, 3 Yr. CAGR %	148.96	98.19	74.76	-5.98	0.29
Non Performing Assets, 3 Yr. CAGR %	148.96	98.19	74.76	-5.98	0.29
Total Assets, 3 Yr. CAGR %	37.42	35	19.31	15.64	11.27
Total Deposits, 3 Yr CAGR %	32.04	30.61	23.71	20.14	16.22
Tangible Book Value, 3 Yr. CAGR %	22.88	15.77	8.83	7.47	12.28
Common Equity, 3 Yr. CAGR %	22.88	15.77	8.83	7.47	12.28
Total Equity, 3 Yr. CAGR %	22.88	15.77	8.83	7.47	12.28
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	51.98	29.38	25.02	18.09	12.69
Non Interest Income, 5 Yr. CAGR %	69.69	46.99	28.44	15.28	13.88
Provision For Loan Losses, 5 Yr. CAGR %	136.05	145.49	62.18	38.13	27.22
Total Revenues, 5 Yr. CAGR %	41.14	6.02	17.48	12.76	8.66
Earnings From Cont. Operations, 5 Yr. CAGR %	51.62	-35.33	10.28	2.7	-1.91
Net Income, 5 Yr. CAGR %	51.62	-35.33	10.28	2.7	-1.91
Normalized Net Income, 5 Yr. CAGR %	48.12	-40.36	7.07	-0.47	-7.5
Diluted EPS Before Extra, 5 Yr. CAGR %	32.12	-40.14	2.13	-2.87	-1.9
Dividend Per Share, 5 Yr. CAGR %	-	-	8.45	-12.94	-
Gross Loans, 5 Yr. CAGR %	40.94	33.22	27.47	22.71	13.73
Allowance For Loan Losses, 5 Yr. CAGR %	220.75	186.18	82.65	42.2	51.04
Net Loans, 5 Yr. CAGR %	45.68	41.04	28.66	25.03	14.65
Non Performing Loans, 5 Yr. CAGR %	214.32	136.48	70	42.32	45.33
Non Performing Assets, 5 Yr. CAGR %	214.32	136.48	70	42.32	45.33
Total Assets, 5 Yr. CAGR %	42.23	35.65	28.59	25.8	15.86
Total Deposits, 5 Yr CAGR %	45.18	32.91	26.12	25.61	21.51
Tangible Book Value, 5 Yr. CAGR %	39.17	31.34	15.86	14.04	10.12
Common Equity, 5 Yr. CAGR %	39.17	31.34	15.86	14.04	10.12
Total Equity, 5 Yr. CAGR %	39.17	31.34	15.86	14.04	10.12