Bandhan Bank

₹176.1 -0.2 | 0.1%

WEBSITE BSE:541153 NSE : BANDHANBNK 09 Dec, 12:45

Market Cap ₹28361 Cr.

Stock P/E 12.7

P/B 1.2

Current Price ₹176.1

Book Value ₹ 146.8

Face Value 10

52W High ₹263.2

Dividend Yield 0.85%

52W Low ₹ 163

Edit Ratio

Bandhan Bank Research see more...

Overview Inc. Year: 2014Industry: Bank - Private

Bandhan Bank Limited is a commercial bank, which gives a number of asset and legal responsibility services and products designed for micro banking and widespread banking, as well as other banking services and products. Its asset products include retail loans together with a extensive portfolio of micro loans, in addition to micro, small and medium company (SME) loans and small agency loans. Its legal responsibility merchandise consist of current accounts, savings accounts,and various fixed deposit accounts. The Company also offers debit cards, Internet banking, cell banking, electronic facts seize-point of sale (EDC- POS) terminals, on-line bill fee services and the distribution of third party coverage products and mutual fund merchandise.

Bandhan Bank Share Price

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Peer Comparison

Bandhan Bank Quarterly Results

#(Fig in Cr.)	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Interest Earned	4055	3773	3808	4268	4523	4492	4665	5189	5536	5500
Other Income	330	476	1033	629	385	540	545	694	528	595
Total Income	4385	4250	4841	4897	4908	5032	5211	5883	6063	6095
Interest Expense	1541	1580	1727	1796	2032	2049	2140	2323	2531	2552
Operating Expenditure	1023	1117	1192	1305	1313	1400	1415	1722	1592	1688
Provisions and contingencies	642	1280	1541	735	602	636	684	1774	523	606
Operating Profit	1178	273	381	1061	960	947	971	64	1418	1249
Profit Before Tax	1178	273	381	1061	960	947	971	64	1418	1249
Provision for Tax	292	64	90	253	239	226	239	10	354	311
Profit After Tax	887	209	291	808	721	721	733	55	1063	937
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	887	209	291	808	721	721	733	55	1063	937
Adjusted Earnings Per Share	5.5	1.3	1.8	5	4.5	4.5	4.5	0.3	6.6	5.8

Bandhan Bank Profit & Loss

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	TTM
Interest Earned	0	1581	3909	4802	6643	10885	12524	13872	15905	18870	20890
Other Income	8	150	411	706	1063	1549	2022	2822	2469	2165	2362
Total Income	8	1731	4320	5508	7706	12435	14546	16694	18373	21034	23252
Interest Expense	0	649	1505	1770	2148	4562	4961	5157	6645	8544	9546
Operating Expenditure	6	616	1022	1308	1810	2427	2817	3524	4637	5851	6417
Provisions and contingencies	2	53	88	374	735	1393	3820	7885	4198	3697	3587
Operating Profit	1	414	1704	2056	3013	4053	2949	129	2893	2943	3702
Profit Before Tax	1	414	1704	2056	3013	4053	2949	129	2893	2943	3702
Provision for Tax	0	138	593	710	1062	1030	743	3	698	713	914
Profit After Tax	1	275	1112	1346	1952	3024	2205	126	2195	2230	2788
Adjustments	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	1	275	1112	1346	1952	3024	2205	126	2195	2230	2788
Adjusted Earnings Per Share	0	2.5	10.2	11.3	16.4	18.8	13.7	0.8	13.6	13.8	17.2

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	19%	15%	23%	0%
Operating Profit CAGR	2%	-0%	-0%	0%
PAT CAGR	2%	0%	3%	0%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	-26%	-15%	-20%	NA%
ROE Average	11%	8%	12%	14%
ROCE Average	10%	8%	12%	18%

Bandhan Bank Balance Sheet

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Shareholder's Funds	0	3335	4446	9382	11202	15195	17408	17381	19584	21610
Minority's Interest	0	0	0	0	0	0	0	0	0	0
Deposits	0	12089	23229	33869	43232	57082	77972	96331	108065	135202
Borrowings	0	3052	1029	285	521	16379	16960	19921	24711	16372
Other Liabilities & Provisions	25	1282	1532	774	1487	3062	2675	5362	3677	4659
Total Liabilities	527	19757	30236	44310	56442	91718	115016	138995	156037	177842
Cash and balance with RBI	0	810	6012	2837	3879	6345	3335	4943	7327	15393
Bank Balance	401	2363	1353	2674	1924	2008	2893	4379	923	778
Investments	0	3758	5516	8372	10037	15352	25155	29079	32366	29288
Advances	0	12438	16839	29713	39643	66630	81613	93975	104757	121137
Fixed Assets	109	237	252	238	222	347	432	415	509	959
Other Assets	17	150	264	476	627	1014	1533	6032	9810	10073
Total Assets	527	19757	30236	44310	56442	91718	115016	138995	156037	177842

Bandhan Bank Cash Flow

#(Fig in Cr.)	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Opening Cash & Cash Equivalents	0	400	3173	7365	5375	5802	8352	6226	9319	8247
Cash Flow from Operating Activities	0	6950	8885	-2599	2695	6583	-909	902	-4245	14808
Cash Flow from Investing Activities	-102	-3714	-2671	-2237	-2373	-5312	-1804	-612	-1618	1691
Cash Flow from Financing Activities	501	-3723	-2023	2846	105	154	588	2803	4791	-8579
Net Cash Inflow / Outflow	400	-487	4192	-1989	427	1426	-2125	3093	-1071	7921
Closing Cash & Cash Equivalent	400	3173	7365	5375	5802	8352	6228	9319	8247	16168

Bandhan Bank Ratios

#	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Earnings Per Share (Rs)	0.01	2.51	10.15	11.28	16.36	18.78	13.69	0.78	13.62	13.84
CEPS(Rs)	0.01	2.84	10.76	12	17.01	19.28	14.33	1.46	14.51	15.31
DPS(Rs)	0	0	0	1	3	0	1	0	1.5	1.5
Book NAV/Share(Rs)	10.01	30.45	40.6	78.65	93.89	94.37	108.09	107.87	121.5	133.87
Yield on Advances	0	12.71	23.21	16.16	16.76	16.34	15.35	14.76	15.18	15.58
Yield on Investments	0	3.54	8.15	6.41	6.5	6.16	5.89	5.88	6.06	7.34
Cost of Liabilities	0	4.28	6.21	5.18	4.91	6.21	5.23	4.44	5	5.64
NIM (Net Interest Margin)	0	4.82	8.09	6.96	8.1	7	6.69	6.58	6.37	6.2
Interest Spread	0	8.43	17.01	10.98	11.85	10.13	10.12	10.32	10.18	9.94
ROA(%)	0	2.79	4.45	3.61	3.87	4.08	2.13	0.1	1.49	1.34
ROE(%)	0.11	14.35	28.58	19.46	18.96	22.91	13.53	0.72	11.88	10.84
ROCE(%)	0	26.34	32.35	28.32	28.65	24.62	11.97	2.7	10.01	10.3
PER(x)	0	0	0	41.51	32.09	10.85	24.74	393.6	14.36	13.01
Price/Book(x)	0	0	0	5.95	5.59	2.16	3.13	2.85	1.61	1.35
Dividend Yield(%)	0	0	0	0.21	0.57	0	0.3	0	0.77	0.83
EV/Net Sales(x)	0	2.62	0.54	11.69	9.51	4.52	5.71	5.01	3.54	2.41
EV/Core EBITDA(x)	217.4	8.88	1.18	23.1	16.85	9.03	10.57	8.67	7.93	6.84
Interest Earned Growth(%)	0	0	147.17	22.86	38.34	63.86	15.05	10.76	14.66	18.64
Net Profit Growth	0	0	303.98	21.01	45.03	54.94	-27.06	-94.3	1644.63	1.59
Advances Growth	0	0	35.39	76.45	33.42	68.07	22.49	15.15	11.47	15.64
EPS Growth(%)	0	0	303.99	0	45	14.8	-27.08	-94.3	1644.46	1.58
Loans/Deposits(x)	0	25.24	4.43	0.84	1.21	28.69	21.75	20.68	22.87	12.11
Cash/Deposits(x)	0	0.07	0.26	0.08	0.09	0.11	0.04	0.05	0.07	0.11
Current Ratio(x)	0	0.31	0.24	0.25	0.23	0.27	0.32	0.3	0.3	0.22
Quick Ratio(x)	0	25.24	4.43	0.84	1.21	28.69	21.75	20.68	22.87	12.11
CASA %	0	21.55	29.43	34.32	40.75	36.84	43.38	41.61	39.28	37.09

Bandhan Bank Shareholding Pattern

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	39.99	39.99	39.99	39.99	39.99	39.98	39.98	39.98	39.98	39.98
FII	35.64	30.15	32.39	31.92	33.53	32.77	34.74	31.19	28.25	26.73
DII	7.12	12.57	12.53	13.31	12.46	17.52	14.87	12.5	15.13	16.4
Public	17.25	17.3	15.1	14.78	14.02	9.72	10.41	16.33	16.64	16.89
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Promoter	64.41	64.41	64.41	64.41	64.41	64.41	64.41	64.41	64.41	64.41
FII	57.41	48.56	52.17	51.43	54.01	52.79	55.96	50.24	45.51	43.06
DII	11.47	20.25	20.18	21.43	20.08	28.22	23.95	20.13	24.38	26.42
Public	27.78	27.86	24.33	23.81	22.59	15.67	16.76	26.31	26.8	27.21
Others	0	0	0	0	0	0	0	0	0	0
Total	161.08	161.08	161.08	161.08	161.09	161.09	161.09	161.1	161.1	161.1

Pros

Company has reduced debt.

Cons

Promoter holding is low: 39.98%.
Company has a low return on equity of 8% over the last 3 years.
The company has delivered a poor profit growth of 2% over past five years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Bandhan Bank

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Bandhan Bank Research see more...

Overview Inc. Year: 2014Industry: Bank - Private

Bandhan Bank Share Price

Alert Data

Quarterly Price

Peer Comparison

Bandhan Bank Quarterly Results

Bandhan Bank Profit & Loss

Growth Rates

Bandhan Bank Balance Sheet

Bandhan Bank Cash Flow

Bandhan Bank Ratios

Bandhan Bank Shareholding Pattern

Bandhan Bank News

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