Bandhan Bank Q4 Results: Profit Surges Nearly Sixfold On Falling Provisions, But Misses Estimates

Fall in provisions pushed Bandhan Bank Ltd.'s standalone net profit to a nearly sixfold jump in the fourth quarter of the financial year 2024-25, but still missed analysts' estimates.The bottom line of the Kolkata-headquartered lender rose 481% to Rs 317 crore versus Rs 54.

6 crore in the year-ago period, according to financial results released on Wednesday. Analysts' consensus estimates compiled by Bloomberg estimated Rs 467 crore.The provisions (other than tax) and contingencies were lower by 29% at Rs 1,260 crore compared to Rs 1,774 crore in the March quarter of FY24.



On a sequential basis, it fell 8.41%.The net interest income declined 4% to Rs 2,756 crore.

Net interest margin for the quarter was 6.7%.Asset quality marginally deteriorated with the share of gross non-performing assets rising to 4.

71% from 4.68% in the previous quarter. Net NPA stood flat at 1.

28%.IndusInd Bank Share Price Declines After CEO Sumant Kathpalia ResignsAs of March 31, 2025, the bank's total deposits grew 12% year-over-year to Rs 1.51 lakh crore, with current account and savings account deposits standing at Rs 47,437 crore and a CASA ratio of 31.

4%.Gross advances increased 10% year-over-year to Rs 1.37 lakh crore.

The bank saw significant growth in its retail book (98% YoY, excluding housing), wholesale banking (35%), and housing book (11%).Bandhan Bank executives said in an earnings concall with analysts that the lender aims to expand its asset book and improve asset quality in FY26. The bank is aiming a 15–17% loan growth over the next three years.

Bandhan Bank's board recommended a dividend of Rs 1.5 apiece for the financial year ended March 31 for the approval of shareholders at the annual general meeting.Shares of Bandhan Bank closed 1.

31% lower at Rs 165.65 apiece ahead of the announcement, compared to a flat BSE Sensex. The stock has fallen 23% in the last 12 months and gained 5% so far this year.

Q4 Results Live: Paras Defence Doubles; Bandhan Bank Profit At Rs 317.9 Crore. Read more on Earnings by NDTV Profit.

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