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Bandhan Bank

₹203.2 2.6 | 1.3%

Market Cap ₹32726 Cr.

Stock P/E 16.8

P/B 1.5

Current Price ₹203.2

Book Value ₹ 133.6

Face Value 10

52W High ₹272

Dividend Yield 0.74%

52W Low ₹ 182.2

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.

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Bandhan Bank Share Price

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Bandhan Bank Quarterly Results

#(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

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 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 0 10.2 11.3 16.4 18.8 13.7 0.8 13.6 12.1

Growth Rates

# 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 -11% -15% -16% NA%
ROE Average 12% 9% 14% 15%
ROCE Average 10% 8% 16% 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
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

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
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

Bandhan Bank Ratios

# Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 0 0 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) 0 0 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 0 303.98 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

Bandhan Bank Shareholding Pattern

# Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Promoter 39.99 39.99 39.99 39.99 39.99 39.99 39.99 39.99 39.98 39.98
FII 33.61 34.6 34.31 35.64 30.15 32.39 31.92 33.53 32.77 34.74
DII 2.5 1.94 4.56 7.12 12.57 12.53 13.31 12.46 17.52 14.87
Public 23.9 23.47 21.14 17.25 17.3 15.1 14.78 14.02 9.72 10.41
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

Cons

  • Promoter holding is low: 39.98%.
  • Company has a low return on equity of 9% over the last 3 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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