Bandhan Bank Ltd (BANDHANBNK) Q1FY27 Concall Summary - Jun-2026 Qtr
Performance Overview
- The bank demonstrated significant resilience in a seasonally soft quarter, with a much lower moderation in the EEB portfolio compared to previous years.
- Overall advances grew robustly, driven by a 27% YoY expansion in the secured non-EEB portfolio, which now constitutes two-thirds of the total loan book.
- The liability franchise was strengthened through a conscious strategy to reduce high-cost bulk deposits, leading to a 16% YoY growth in retail deposits and an improved CASA ratio of 29.4%.
- Despite headwinds from elevated funding costs, Net Interest Margin (NIM) remained stable at 6.2%, and asset quality improved with GNPA at 3.1% and NNPA at 0.9%.
- Management revised its ROA guidance for Q4 FY27 downwards to a range of 1.2% to 1.4% from the earlier 1.6% to 1.8%, citing external pressures like geopolitical tensions, rising technology costs, and persistent high funding costs.
Financial Metrics
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Operating Performance / Business Segments
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Key Discussions & Insights
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Outlook and Guidance
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Challenges / Concerns
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Industry / Competitive Landscape
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Overall Summary
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