Bandhan Bank Limited — PPTs, 31-01-2025: Investor Presentation

Bandhan Bank's recent financial updates reflect a robust performance for the nine months ending December 31, 2024. Profit After Tax (PAT) surged 12% YoY to ₹2,427 crore, driven by a 23% increase in net revenue to ₹11,002 crore. Deposits soared by 20% to ₹1.41 lakh crore, with gross advances growing 14% YoY to ₹1.32 lakh crore, bolstered significantly by a 34% rise in secured advances—which now comprise almost half of the loan portfolio.

The Bank achieved a noteworthy improvement in asset quality, with Gross Non-Performing Assets (GNPA) declining to 4.7% from 7.0% YoY, and Net NPA at 1.3% down from 2.2%. Although the third quarter saw a dip in PAT to ₹426 crore, a reflection of higher provisions and slippages, the overall momentum suggests a positive outlook. Bandhan Bank is strategically positioned for sustained growth, focusing on technological innovation and strengthening its operational framework while tackling any potential risks in its expanding portfolio. Investors should watch closely as it embarks on its next growth phase, branded as Bandhan Bank 2.0.