Market Cap ₹30133 Cr.
Stock P/E 15.4
P/B 1.4
Current Price ₹187.1
Book Value ₹ 133.6
Face Value 10
52W High ₹272
Dividend Yield 0.8%
52W Low ₹ 170.4
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.
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| #(Fig in Cr.) | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Sep 2023 | Dec 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 3001 | 3410 | 3181 | 3409 | 3872 | 4055 | 3773 | 3808 | 4492 | 4665 |
| Other Income | 700 | 617 | 525 | 709 | 964 | 330 | 476 | 1033 | 540 | 545 |
| Total Income | 3701 | 4027 | 3705 | 4118 | 4836 | 4385 | 4250 | 4841 | 5032 | 5211 |
| Interest Expense | 1244 | 1296 | 1245 | 1284 | 1332 | 1541 | 1580 | 1727 | 2049 | 2140 |
| Operating Expenditure | 815 | 774 | 875 | 884 | 983 | 1023 | 1117 | 1192 | 1400 | 1415 |
| Provisions and contingencies | 1508 | 1461 | 5613 | 806 | 5 | 642 | 1280 | 1541 | 636 | 684 |
| Operating Profit | 135 | 496 | -4029 | 1144 | 2517 | 1178 | 273 | 381 | 947 | 971 |
| Profit Before Tax | 135 | 496 | -4029 | 1144 | 2517 | 1178 | 273 | 381 | 947 | 971 |
| Provision for Tax | 32 | 123 | -1020 | 285 | 614 | 292 | 64 | 90 | 226 | 239 |
| Profit After Tax | 103 | 373 | -3009 | 859 | 1902 | 887 | 209 | 291 | 721 | 733 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 103 | 373 | -3009 | 859 | 1902 | 887 | 209 | 291 | 721 | 733 |
| Adjusted Earnings Per Share | 0.6 | 2.3 | -18.7 | 5.3 | 11.8 | 5.5 | 1.3 | 1.8 | 4.5 | 4.5 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 0 | 1581 | 3909 | 4802 | 6643 | 10885 | 12524 | 13872 | 15905 | 16738 |
| Other Income | 8 | 150 | 411 | 706 | 1063 | 1549 | 2022 | 2822 | 2469 | 2594 |
| Total Income | 8 | 1731 | 4320 | 5508 | 7706 | 12435 | 14546 | 16694 | 18373 | 19334 |
| Interest Expense | 0 | 649 | 1505 | 1770 | 2148 | 4562 | 4961 | 5157 | 6645 | 7496 |
| Operating Expenditure | 6 | 616 | 1022 | 1308 | 1810 | 2427 | 2817 | 3524 | 4637 | 5124 |
| Provisions and contingencies | 2 | 53 | 88 | 374 | 735 | 1393 | 3820 | 7885 | 4198 | 4141 |
| Operating Profit | 1 | 414 | 1704 | 2056 | 3013 | 4053 | 2949 | 129 | 2893 | 2572 |
| Profit Before Tax | 1 | 414 | 1704 | 2056 | 3013 | 4053 | 2949 | 129 | 2893 | 2572 |
| Provision for Tax | 0 | 138 | 593 | 710 | 1062 | 1030 | 743 | 3 | 698 | 619 |
| Profit After Tax | 1 | 275 | 1112 | 1346 | 1952 | 3024 | 2205 | 126 | 2195 | 1954 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 275 | 1112 | 1346 | 1952 | 3024 | 2205 | 126 | 2195 | 1954 |
| Adjusted Earnings Per Share | 0 | 2.5 | 10.2 | 11.3 | 16.4 | 18.8 | 13.7 | 0.8 | 13.6 | 12.1 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 15% | 13% | 27% | 0% |
| Operating Profit CAGR | 2143% | -11% | 7% | 0% |
| PAT CAGR | 1642% | -10% | 10% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -21% | -14% | -20% | NA% |
| ROE Average | 12% | 9% | 14% | 15% |
| ROCE Average | 10% | 8% | 16% | 18% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 0 | 3335 | 4446 | 9382 | 11202 | 15195 | 17408 | 17381 | 19584 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 0 | 12089 | 23229 | 33869 | 43232 | 57082 | 77972 | 96331 | 108069 |
| Borrowings | 0 | 3052 | 1029 | 285 | 521 | 16379 | 16960 | 19921 | 24711 |
| Other Liabilities & Provisions | 25 | 1282 | 1532 | 774 | 1487 | 3062 | 2675 | 5362 | 3406 |
| Total Liabilities | 527 | 19757 | 30236 | 44310 | 56442 | 91718 | 115016 | 138995 | 155770 |
| Cash and balance with RBI | 0 | 810 | 6012 | 2837 | 3879 | 6345 | 3335 | 4943 | 7327 |
| Bank Balance | 401 | 2363 | 1353 | 2674 | 1924 | 2008 | 2893 | 4379 | 923 |
| Investments | 0 | 3758 | 5516 | 8372 | 10037 | 15352 | 25155 | 29079 | 32366 |
| Advances | 0 | 12438 | 16839 | 29713 | 39643 | 66630 | 81613 | 93975 | 104757 |
| Fixed Assets | 109 | 237 | 252 | 238 | 222 | 347 | 432 | 415 | 509 |
| Other Assets | 17 | 150 | 264 | 476 | 627 | 1014 | 1533 | 6032 | 9543 |
| Total Assets | 527 | 19757 | 30236 | 44310 | 56442 | 91718 | 115016 | 138995 | 155770 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 400 | 3173 | 7365 | 5375 | 5802 | 8352 | 6226 | 9319 |
| Cash Flow from Operating Activities | 0 | 6950 | 8885 | -2599 | 2695 | 6583 | -909 | 902 | -4245 |
| Cash Flow from Investing Activities | -102 | -3714 | -2671 | -2237 | -2373 | -5312 | -1804 | -612 | -1618 |
| Cash Flow from Financing Activities | 501 | -3723 | -2023 | 2846 | 105 | 154 | 588 | 2803 | 4791 |
| Net Cash Inflow / Outflow | 400 | -487 | 4192 | -1989 | 427 | 1426 | -2125 | 3093 | -1071 |
| Closing Cash & Cash Equivalent | 400 | 3173 | 7365 | 5375 | 5802 | 8352 | 6228 | 9319 | 8247 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.01 | 2.51 | 10.15 | 11.28 | 16.36 | 18.78 | 13.69 | 0.78 | 13.62 |
| CEPS(Rs) | 0.01 | 2.84 | 10.76 | 12 | 17.01 | 19.28 | 14.33 | 1.46 | 14.51 |
| DPS(Rs) | 0 | 0 | 0 | 1 | 3 | 0 | 1 | 0 | 1.5 |
| Book NAV/Share(Rs) | 10.01 | 30.45 | 40.6 | 78.65 | 93.89 | 94.37 | 108.09 | 107.87 | 121.5 |
| Yield on Advances | 0 | 12.71 | 23.21 | 16.16 | 16.76 | 16.34 | 15.35 | 14.76 | 15.18 |
| Yield on Investments | 0 | 3.54 | 8.15 | 6.41 | 6.5 | 6.16 | 5.89 | 5.88 | 6.06 |
| Cost of Liabilities | 0 | 4.28 | 6.21 | 5.18 | 4.91 | 6.21 | 5.23 | 4.44 | 5 |
| NIM (Net Interest Margin) | 0 | 4.82 | 8.09 | 6.96 | 8.1 | 7 | 6.69 | 6.58 | 6.37 |
| Interest Spread | 0 | 8.43 | 17.01 | 10.98 | 11.85 | 10.13 | 10.12 | 10.32 | 10.18 |
| ROA(%) | 0 | 2.79 | 4.45 | 3.61 | 3.87 | 4.08 | 2.13 | 0.1 | 1.49 |
| ROE(%) | 0.11 | 14.35 | 28.58 | 19.46 | 18.96 | 22.91 | 13.53 | 0.72 | 11.88 |
| ROCE(%) | 0 | 26.34 | 32.35 | 28.32 | 28.65 | 24.62 | 11.97 | 2.7 | 10.01 |
| PER(x) | 0 | 0 | 0 | 41.51 | 32.09 | 10.85 | 24.74 | 393.6 | 14.36 |
| Price/Book(x) | 0 | 0 | 0 | 5.95 | 5.59 | 2.16 | 3.13 | 2.85 | 1.61 |
| Dividend Yield(%) | 0 | 0 | 0 | 0.21 | 0.57 | 0 | 0.3 | 0 | 0.77 |
| EV/Net Sales(x) | 0 | 2.62 | 0.54 | 11.69 | 9.51 | 4.52 | 5.71 | 5.01 | 3.54 |
| EV/Core EBITDA(x) | 217.4 | 8.88 | 1.18 | 23.1 | 16.85 | 9.03 | 10.57 | 8.67 | 7.93 |
| Interest Earned Growth(%) | 0 | 0 | 147.17 | 22.86 | 38.34 | 63.86 | 15.05 | 10.76 | 14.66 |
| Net Profit Growth | 0 | 0 | 303.98 | 21.01 | 45.03 | 54.94 | -27.06 | -94.3 | 1644.63 |
| Advances Growth | 0 | 0 | 35.39 | 76.45 | 33.42 | 68.07 | 22.49 | 15.15 | 11.47 |
| EPS Growth(%) | 0 | 0 | 303.99 | 0 | 45 | 14.8 | -27.08 | -94.3 | 1644.46 |
| Loans/Deposits(x) | 0 | 25.24 | 4.43 | 0.84 | 1.21 | 28.69 | 21.75 | 20.68 | 22.87 |
| Cash/Deposits(x) | 0 | 0.07 | 0.26 | 0.08 | 0.09 | 0.11 | 0.04 | 0.05 | 0.07 |
| Current Ratio(x) | 0 | 0.31 | 0.24 | 0.25 | 0.23 | 0.27 | 0.32 | 0.3 | 0.3 |
| Quick Ratio(x) | 0 | 25.24 | 4.43 | 0.84 | 1.21 | 28.69 | 21.75 | 20.68 | 22.87 |
| CASA % | 0 | 21.55 | 29.43 | 34.32 | 40.75 | 36.84 | 43.38 | 41.61 | 39.29 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 39.99 | 39.99 | 39.99 | 39.99 | 39.99 | 39.99 | 39.99 | 39.98 | 39.98 | 39.98 |
| FII | 34.6 | 34.31 | 35.64 | 30.15 | 32.39 | 31.92 | 33.53 | 32.77 | 34.74 | 31.19 |
| DII | 1.94 | 4.56 | 7.12 | 12.57 | 12.53 | 13.31 | 12.46 | 17.52 | 14.87 | 12.5 |
| Public | 23.47 | 21.14 | 17.25 | 17.3 | 15.1 | 14.78 | 14.02 | 9.72 | 10.41 | 16.33 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 | 64.41 |
| FII | 55.74 | 55.26 | 57.41 | 48.56 | 52.17 | 51.43 | 54.01 | 52.79 | 55.96 | 50.24 |
| DII | 3.12 | 7.35 | 11.47 | 20.25 | 20.18 | 21.43 | 20.08 | 28.22 | 23.95 | 20.13 |
| Public | 37.81 | 34.05 | 27.78 | 27.86 | 24.33 | 23.81 | 22.59 | 15.67 | 16.76 | 26.31 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 161.07 | 161.08 | 161.08 | 161.08 | 161.08 | 161.08 | 161.09 | 161.09 | 161.09 | 161.1 |
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