Bandhan Bank Q3 Results: Net Profit Declines 42% to ₹427 Crore, NII Rises 12% to ₹2,830 Crore
Shares of Bandhan Bank Ltd ended at ₹151.45, up by ₹3.25, or 2.19% on the BSE.
Private lender Bandhan Bank announced its financial results for the third quarter of FY25, reporting a 41.8% year-on-year (YoY) decline in net profit at ₹426.5 crore. In comparison, the bank had posted a net profit of ₹732.7 crore in the corresponding quarter of the previous fiscal year.
Key Financial Highlights - Q3 FY25
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Net Profit: Declined 41.8% YoY to ₹427 crore.
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Net Interest Income (NII): Increased 12.1% YoY to ₹2,830 crore from ₹2,525 crore.
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Gross Advances: Grew 14% YoY to ₹1.32 lakh crore.
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Net Revenue: Increased 28% YoY to ₹3,926 crore.
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Net Interest Margin (NIM): Stood at 6.9%, down from 7.2% in Q3 FY24.
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Operating Profit: Rose 22% YoY to ₹2,021 crore.
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Provisions & Contingencies: ₹1,376 crore, up from ₹684 crore in Q3 FY24.
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Return on Assets (RoA): 0.9%.
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Return on Equity (RoE): 7% (annualized basis).
Asset Quality and Loan Performance
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Gross Non-Performing Assets (GNPA): Remained stable at 4.68%.
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Net NPA: Slightly declined to 1.28% from 1.29% QoQ.
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Collection Efficiency: Declined marginally to 97.4%.
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Provision Coverage Ratio (PCR): Improved significantly to 85.4% from 70.2% YoY.
Deposit Growth and CASA Ratio
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Total Deposits: Grew 20% YoY to ₹1.41 lakh crore.
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CASA Deposits: Reached ₹44,735 crore, with a CASA ratio of 32%.
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Retail Term Deposits & CASA Share: Accounted for 69% of total deposits.
Loan Portfolio Growth
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Retail Book (Excluding Housing): Grew 95% YoY.
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Commercial Banking: Increased 38% YoY.
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Housing Portfolio: Saw a 13% YoY growth (19% YoY excluding IBPC).
Branch Network and Workforce
Bandhan Bank continues to expand its operations, with:
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6,300+ banking outlets across India.
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78,400 employees supporting the bank’s operations.
Stock Market Reaction
Following the announcement of its Q3 results, Bandhan Bank’s stock closed at ₹151.45 per share, gaining 2.19% (₹3.25 per share) on the BSE.
Bandhan Bank's Q3 performance reflects strong revenue and deposit growth but was impacted by increased provisions and declining profitability. Investors will be closely watching the bank’s future strategies for maintaining asset quality and boosting profitability in the coming quarters.
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