Bandhan Bank Limited Q4 FY25 earnings call summary

Earnings call of 30 Apr 2025, summarised by AI from the filing.

Targeting 1.5–1.6% over the next 2-3 years, with elevated costs in H1FY26.

Key takeaways

1. Credit cost target Targeting 1.5–1.6% over the next 2-3 years, with elevated costs in H1FY26.
2. Secured mix Improved to 50.5% in Q4 FY25 from 42% in FY24, with secured book growing 32% YoY.
3. EEB growth Guiding ₹5,000 cr net growth in EEB portfolio for FY26.
4. MFI stress Microfinance sector stress led to elevated credit costs and moderate growth.

Original filing on BSE

Bandhan Bank Limited Q1 FY27 results

As filed: Revenue ₹5,631 cr, EBITDA ₹71.7 cr, PAT ₹502 cr, EBITDA margin 1.3%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹5,428 cr, EBITDA −₹6.5 cr, PAT ₹534 cr, EBITDA margin -0.1%. Not scored. Bank result format: not scored yet. Share price after the results: +15.2% in 29 days (Nifty 500: +0.9%).
• Q3 FY26: Revenue ₹5,431 cr, EBITDA −₹401 cr, PAT ₹206 cr, EBITDA margin -7.4%. Not scored. Bank result format: not scored yet. Share price after the results: +25.2% in 29 days (Nifty 500: +1.7%).
• Q2 FY26: Revenue ₹5,354 cr, EBITDA −₹388 cr, PAT ₹112 cr, EBITDA margin -7.3%. Not scored. Bank result format: not scored yet. Share price after the results: −11.9% in 29 days (Nifty 500: +0.4%).
• Q1 FY26: Revenue ₹5,476 cr, EBITDA −₹205 cr, PAT ₹372 cr, EBITDA margin -3.7%. Not scored. Bank result format: not scored yet. Share price after the results: −12.6% in 27 days (Nifty 500: −2.6%).
• Q4 FY25: Revenue ₹5,434 cr, EBITDA −₹389 cr, PAT ₹318 cr, EBITDA margin -7.2%. Not scored. Bank result format: not scored yet. Share price after the results: +2.8% in 30 days (Nifty 500: +3.5%).
• Q3 FY25: Revenue ₹5,479 cr, EBITDA −₹451 cr, PAT ₹426 cr, EBITDA margin -8.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹5,500 cr, EBITDA ₹654 cr, PAT ₹937 cr, EBITDA margin 11.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Bandhan Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (21 Jul 2026), Results deck (21 Jul 2026)
• Q4 FY26: Earnings call (28 Apr 2026), Results deck (28 Apr 2026)
• Q3 FY26: Earnings call (22 Jan 2026), Results deck (22 Jan 2026)
• Q2 FY26: Earnings call (30 Oct 2025), Results deck (30 Oct 2025)
• Q1 FY26: Earnings call (18 Jul 2025), Results deck (18 Jul 2025)
• Q4 FY25: Earnings call (30 Apr 2025), Results deck (30 Apr 2025)