Bandhan Bank Ltd.

NSE: BANDHANBNK  SECTOR: Bank - Private

356
-12.5 (-3.39%)

Price Summary

Today's High

₹ 369

Today's Low

₹ 354

52 Week High

₹ 487

52 Week Low

₹ 152.35

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.

Company Essentials

Market Cap

57332.6236692 Cr.

CASA %

36.8393578003155

No. of Shares

161.0466957 Cr.

P/E

21.09

P/B

3.44

Face Value

₹ 10

Div. Yield

0%

Book Value (TTM)

₹  103.4939

Net Interest Income

6323.9143049 Cr.

Cost To Income %

30.8206240442

Promoter Holding

40%

EPS (TTM)

₹  16.878

CAR %

27.43%

ROE

22.9095269075785 %

ROCE

24.6165551263584 %

Profit Growth

27.7776804356372 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

ROE%

1 Year22.91%
3 Year20.44%
5 Year20.85%

ROA%

1 Year4.08%
3 Year3.86%
5 Year3.76%

Net NPA%

1 Year0.58%
3 Year0.58%
5 Year0.44%

 NIM

1 Year7%
3 Year7.35%
5 Year6.99%

CAR %

27.43

Cost of Liabilities %

6.20955181449076

PEG Ratio

1.42

Advances Growth %

68.073268680868

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2020 40 0
Sep 2020 40 0
Jun 2020 60.95 0
Mar 2020 60.95 0
Dec 2019 60.96 0
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 3.85520357937148% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 20.4439754295795%.
  • The company has been consistently maintaining a NIM of 7.35272471174954% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.58%.
  • Cost to Income ratio stands at 30.8206240442 %
  • Good Capital Adequacy Ratio of 27.43%.
  • The company has delivered good Profit growth of 39.5787340605536% over the past 3 years.
  • The company has delivered good Income growth of 40.6922269914% over the past 3 years.
  • Strong Advances growth of 58.1674291762446% in the last 3 years.

 Limitations

  • CASA Growth of -3.91259347062983% YoY, which is very low.
  • Increase in Provision and contingencies of 89.5100776737624% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Interest Earned 2690.27 2717.63 2846.29 3018.09 3197.63
Other Income 360.27 357.72 500.18 386.76 381.77
Interest Expended 1161.23 1177.35 1166.25 1206.56 1274.54
Operating Expenses 582.38 634.12 659.53 614.1 677.34
Total Provisions 145.55 294.88 827.37 849.06 394.51
Profit Before Tax 1161.39 969 693.33 735.12 1233.01
Tax 189.59 237.96 176.04 185.3 312.99
Net Profit 971.8 731.03 517.29 549.82 920.02
Net NPA % 0.56 0.81 0.58 0.48 0.36
Gross NPA % 1.76 1.93 1.48 1.43 1.18
Return on Assets % 1.21 0.89 0.59 0.58 0.9
NPM % 36.12 26.9 18.17 18.22 28.77

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Interest Earned 1581.36 3908.71 4802.3 6643.37 10885.49
Other Income 149.89 411.41 706.18 1063.05 1549.2
Interest Expended 648.53 1505.21 1770.06 2147.95 4561.58
Operating Expenses 615.92 1022 1308.31 1810.28 2426.54
Total Provisions 53.3 88.43 374.21 735.13 1393.15
Profit Before Tax 413.51 1704.47 2055.9 3013.05 4053.42
Taxes 138.26 592.52 710.34 1061.55 1029.68
Net Profit 275.25 1111.95 1345.56 1951.5 3023.74
Adjusted EPS (Rs.) 2.51 10.15 11.28 16.36 18.78

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 1095.14 1095.14 1192.8 1193.08 1610.25
Total Reserves 2239.36 3351.31 8189.14 10008.66 13585.21
Deposits 12088.75 23228.66 33869 43231.62 57081.5
Borrowings 3051.65 1028.94 285 521.35 16379.18
Other Liabilities 1281.6 1532.04 774.11 1486.99 3061.66
Total Liabilities 19756.5 30236.09 44310.06 56441.71 91717.8
Assets
Balance with RBI 810.29 6012.07 2837.07 3879.15 6344.91
Balance with Banks 2363.11 1352.93 2673.52 1923.5 2008
Investments 3758.03 5516.49 8371.94 10037.48 15351.77
Advances 12437.55 16839.08 29713.04 39643.39 66629.95
Net Block 236.75 251.79 238.13 222.23 347.27
Other Assets 150.29 263.74 476.37 626.98 1014.41
Total Assets 19756.5 30236.09 44310.06 56441.71 91717.8
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Company Presentations

Company News

Bandhan Bank Stock Price Analysis and Quick Research Report. Is Bandhan Bank an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Bandhan Bank is performing and if it is the right time to buy the stock of Bandhan Bank with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Bandhan Bank has earned Rs 10885.4933363 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 40.6922269914 % in last 3 Years.

  • In terms of advances, the bank reported 68.073268680868 % YOY,  rise . If you see 3 years advance growth, it stands at 58.1674291762446 %.

  • Currently the company has a CASA ratio of 36.8393578003155 %. It’s overall cost of liability stands at 6.20955181449076 %. Also, the total deposits from these accounts stood at Rs 57081.5035533 Cr.

  • The Bank has a healthy ROA track record. The ROA of Bandhan Bank is at 4.08173261142005 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 1.48 % and 0.58 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 89.5100776737624 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Bandhan Bank decreased and is currently at Rs 15.49197443 Cr.

  • The company has a Good Capital Adequacy Ratio of 27.43 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Bandhan Bank is trading at a P/B of 3.43981625970226 . The historical average PB was 2.74062346385033.

Brief about Bandhan Bank

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