Bandhan Bank Limited — Investor Meet, 07-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Bandhan Bank has announced a board meeting to consider the financial results for the quarter and half-year. Advances rose 10% YoY to INR 1.37 lakh crore, with secured loans growing 32% YoY to 50.5% of advances. Deposits increased 12% YoY to INR 1.51 lakh crore, led by 69% retail share. Q4 NII fell 4% YoY to INR 2,756 crore; NIM stood at 6.7%. Credit costs eased QoQ to 3.9%, full-year at 2.9%. Gross NPA stable at 4.7%, Net NPA 1.3%. Q4 PAT improved to INR 318 crore from INR 55 crore. Management prioritizes secured loan growth, retail deposit granularity, and digital transformation, targeting 15-17% CAGR in advances and RoA of 1.8-1.9%, while anticipating margin pressure and temporary expense rises.