Bandhan Bank Ltd — earnings calls

Bandhan Bank reported Q1FY27 gross advances of INR 1.56 lakh crores (up 16% YoY) and deposits of INR 1.65 lakh crores, with net interest margin stable at 6.2% and net profit of INR 502 crores, up 35% YoY. Management revised its ROA aspiration for exit Q4FY27 down to a range of 1.2% to 1.4% from the earlier 1.6% to 1.8%, citing elevated funding costs, rising technology costs linked to the Middle East conflict, and an uncertain monsoon. Asset quality metrics improved with gross NPA at 3.1% and net NPA at 0.9%, while credit cost moderated to 1.8% from 2.0% in the prior quarter.

Bandhan Bank reported Q4FY26 net profit of Rs 534 crores, up 68% YoY, with gross advances of about Rs 1.54 lakh crores and deposits of Rs 1.66 lakh crores. Management said NIMs improved sequentially to 6.2%, CASA ratio rose to 29.3%, and asset quality metrics strengthened with gross NPA at 3.3% and net NPA at 1.0%. Management also described elevated operating expenses this quarter due to non-recurring PSLC and technology costs, and reiterated its medium-term ROA guidance.