Q4 2025 Bandhan Bank Ltd Earnings Call Transcript
Key Points
- Bandhan Bank Ltd (BOM:541153) reported a 23% growth in profit after tax for the full year, reaching INR2,745 crores.
- The bank's net interest income grew by 11% to INR11,491 crores, and net total income increased by 16% to INR14,458 crores.
- Retail term deposits showed robust growth of 30% year-on-year, indicating strong customer trust and engagement.
- The secured loan book grew by 32% year-on-year, improving the secured mix to 50.5% of total advances.
- The bank maintained a strong capital adequacy ratio of 18.7%, providing a solid foundation for future growth.
- The microfinance sector faced significant stress, impacting growth and profitability, with elevated credit costs.
- Gross NPA and net NPA ratios remained stable but high at 4.7% and 1.3%, respectively.
- Net interest income for Q4 FY25 declined by 4% year-on-year, affected by a shift towards secured products and elevated slippages.
- Operating expenses rose by 10% year-on-year, reflecting continued investments in people, technology, and infrastructure.
- The bank's CASA deposits declined by 5% year-on-year, aligning with broader industry trends.
Ladies and gentlemen, good day, and welcome to the Bandhan Bank Q4 FY25 earnings conference call. (Operator Instructions) Please note that this conference is being recorded.
I now hand the conference over to Mr. Vikash Mundhra, Head, Investor Relations. Thank you, and over to you, sir.
Thank you, Tejal. Good evening, everyone, and a warm welcome to all the participants. It's a pleasure to have you with us today as we discuss Bandhan Bank's business and financial performance for the quarter and the full year ending March 2025. We sincerely appreciate your time and participation. Today, we will take this opportunity to provide insight into our operational activities, significant achievements and challenges, as well as offer perspective on market conditions, strategic initiatives and any notable changes in our business environment.
To walk you through all these details, we are joined by Mr. Partha Pratim Sengupta, Managing Director and CEO; Mr. Ratan Kumar Kesh, Executive Director and
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