Bandhan Bank Limited — Important, 04-01-2025: General Updates

Loans and advances reached ₹133,285 Cr at the end of December 2024, reflecting a year-over-year increase of 15.0% and a quarterly rise of 2.0%. Total deposits were recorded at ₹140,999 Cr, marking a 20.1% year-on-year growth, though showing a slight decline of 1.1% over the previous quarter. CASA deposits declined by 5.4% quarter-on-quarter to ₹44,735 Cr, while retail deposits, including CASA, inching up 0.2% to ₹96,795 Cr. The bank's retail-to-total deposits ratio improved to 68.6%, while the CASA ratio stands at 31.7%. The Liquidity Coverage Ratio (LCR) is notably strong at 164.6%. Pan Bank collection efficiency dipped slightly to 97.6%, driven by declines in both EEB and non-EEB segments. Investors should watch closely for developments in collection efficiencies and deposit trends, as these metrics signal underlying operational health.