Bandhan Bank Ltd (BOM:541153)

Q1 2027 Bandhan Bank Ltd Earnings Call Transcript

Jul 21, 2026 / 12:00 PM GMT

Release Date Price: ₹208.6 (-1.30%)

Transcript

Key Points

Positve

Bandhan Bank Ltd (BOM:541153) reported a healthy 16% year-on-year growth in gross advances, driven by strong performance in non-EEB (Emerging Entrepreneurs Business) segments.
The bank achieved a significant increase in retail deposits, which grew by over 15% year-on-year, reflecting customer confidence and effective distribution networks.
Asset quality showed improvement with gross NPAs at 3.1% and net NPAs at 0.9%, alongside a robust provision coverage ratio of 80%.
The bank's capital position remains strong with a capital adequacy ratio of 18.2%, providing a solid buffer for future growth.
Despite external challenges, the bank maintained stable margins at 6.2% and reported a 35% year-on-year growth in profit after tax.

Negative

The bank faces external pressures from geopolitical developments, unpredictable monsoon patterns, and rising technology-related costs, which could impact future profitability.
There is a cautious outlook on the EEB portfolio growth due to external uncertainties, potentially affecting the bank's overall growth trajectory.
Funding costs have increased despite no change in the repo rate, leading to pressure on margins and potential impacts on profitability.
Operating expenses rose by 19% year-on-year, driven by increased IT costs and one-time gratuity provisions, impacting the cost-to-income ratio.
The bank's aspiration to achieve a higher ROA by the end of FY27 may be delayed due to external factors, including energy crises and elevated costs.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

BANH.NS - Bandhan Bank Ltd
Q1 2027 Bandhan Bank Ltd Earnings Call
Jul 21, 2026 / 12:00PM GMT

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Presentation
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Ladies and gentlemen, good day and welcome to the Abundant Bank Limited Q1F I27 earnings conference call.

As a reminder, all participant lines will remain in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference call.

Please signal the operator by pressing, then 0 on your touchstone telephone.

Please note conference is being recorded.

I will now have the conference over to Mr.

Vikash Mundra, head of investor relations, for opening remarks.

Thank you, and over to you.

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