Q4 2026 Bandhan Bank Ltd Earnings Call Transcript
Key Points
- Bandhan Bank Ltd (BOM:541153) reported a healthy 13% year-on-year growth in gross advances, reaching INR1.54 lakh crores.
- The bank achieved strong CASA growth, with balances increasing to INR48,752 crores, reflecting a 14.1% sequential growth.
- Retail term deposits grew over 30% year-on-year, indicating strong customer confidence and effective distribution strategies.
- Asset quality improved with gross NPAs stable at 3.3% and net NPAs improving to 1%, supported by a provision coverage ratio of 85%.
- The bank's capital adequacy ratio improved to 18%, providing a robust capital position to support future growth.
- Operating expenses were elevated due to nonrecurring items, impacting cost discipline.
- The EEB portfolio showed a year-on-year decline, reflecting industry-wide challenges.
- The bank faced high costs related to Priority Sector Lending Certificates (PSLC), impacting profitability.
- Despite improvements, the bank's credit costs remained relatively high at 2% for the quarter.
- There is intense competition in the deposit market, which could pressure deposit growth and cost of funds.
(audio in progress) Q4 FY26 earnings conference call. (Operator Instructions)
Please note that this conference is being recorded.
I will now hand the conference over to Mr. Vikash Mundhra, Head of Investor Relations, for opening remarks. Thank you, and over to you.
Thank you, Rayan. Good evening, everyone, and welcome to Bandhan Bank's earnings call to discuss our business and financial performance for the quarter and full year ended March 31, 2026. Thank you for joining us today. We fully appreciate your time and participation.
During today's call, we will walk you through our operating performance, key developments during the period and our strategic priorities going ahead along with our view on the operating environment.
Joining us this evening are Mr. Partha Pratim Sengupta, Managing Director and CEO; Mr. Ratan Kumar Kesh, Executive Director and Chief Operating Officer; Mr. Rajinder Kumar Babbar, Executive Director and Chief Business Officer; Mr. Rajeev Mantri,
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