Bandhan Bank Ltd.

NSE: BANDHANBNK BSE: 541153 SECTOR: Bank - Private  188k   2k   536

271.35
-5.95 (-2.15%)
NSE: 06 Dec 04:09 PM

Price Summary

Today's High

₹ 279.8

Today's Low

₹ 270.7

52 Week High

₹ 430.7

52 Week Low

₹ 259.25

FinStar

Ownership Very Stable
High level of belief in company’s potential exhibited by insiders.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

43706.71 Cr.

CASA %

43.38

No. of Shares

161.07 Cr.

P/E

0

P/B

2.99

Face Value

₹ 10

Div. Yield

0.37 %

Book Value (TTM)

₹  90.74

Net Interest Income

7563.36 Cr.

Cost To Income %

29.13

Promoter Holding

39.99 %

EPS (TTM)

₹  -11.8

CAR %

23.47

ROE

13.53 %

ROCE

11.97%

Profit Growth

-27.06 %

* 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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Index Presence

The company is present in 24 Indices.

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year13.53%
3 Year18.47%
5 Year20.69%

ROA%

1 Year2.13%
3 Year3.36%
5 Year3.63%

Net NPA%

1 Year3.51%
3 Year1.56%
5 Year1.12%

 NIM

1 Year6.7%
3 Year7.27%
5 Year7.37%

CAR %

23.47

Cost of Liabilities %

5.22566250508181

PEG Ratio

0.85

Advances Growth %

22.4867777630853

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 39.99 0
Jun 2021 39.99 0
Mar 2021 39.99 0
Dec 2020 40 0
Sep 2020 40 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 3.36315688871599% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 18.4666849015742%.
  • The company has been consistently maintaining a NIM of 7.26610992310259% since last 3 years.
  • CASA stands at 43.3838001550553% of total deposits.
  • Cost to Income ratio stands at 29.1256701829089 %
  • Good Capital Adequacy Ratio of 23.47%.
  • The company has delivered good Profit growth of 17.9049878169341% over the past 3 years.
  • The company has delivered good Income growth of 37.6466866270854% over the past 3 years.
  • Strong Advances growth of 40.0459489469793% in the last 3 years.

 Limitations

  • Net NPA has increased by 2.93% YoY
  • Increase in Provision and contingencies of 180.414661382668% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Interest Earned 3197.63 3307.84 3000.66 3410.01 3180.89
Other Income 366.83 553.29 787.25 533.36 491.63
Interest Expended 1274.54 1236.1 1243.65 1295.94 1245.47
Operating Expenses 677.32 710.93 814.78 776.35 877.81
Total Provisions 379.59 1068.73 1594.31 1374.88 5577.92
Profit Before Tax 1233.01 845.35 135.17 496.21 -4028.69
Tax 312.99 212.76 32.14 123.13 -1020.09
Net Profit 920.02 632.59 103.03 373.08 -3008.6
Net NPA % 0.36 0.26 3.51 3.29 3.04
Gross NPA % 1.18 1.11 6.81 8.18 10.82
Return on Assets % 0.9 0.61 0.09 0.33 -2.64
NPM % 28.77 19.12 3.43 10.94 -94.58

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Interest Earned 3908.71 4802.3 6643.37 10885.49 12524.21
Other Income 411.41 706.18 1063.05 1549.2 2109.06
Interest Expended 1505.21 1770.06 2147.95 4561.58 4960.86
Operating Expenses 1022 1308.31 1810.28 2426.54 2817.16
Total Provisions 88.43 374.21 735.13 1393.15 3906.6
Profit Before Tax 1704.47 2055.9 3013.05 4053.42 2948.66
Taxes 592.52 710.34 1061.55 1029.68 743.2
Net Profit 1111.95 1345.56 1951.5 3023.74 2205.46
Adjusted EPS (Rs.) 10.15 11.28 16.36 18.78 13.69

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 1095.14 1192.8 1193.08 1610.25 1610.6
Total Reserves 3351.31 8189.14 10008.66 13585.21 15797.58
Deposits 23228.66 33869 43231.62 57081.5 77972.22
Borrowings 1028.94 285 521.35 16379.18 16960.36
Other Liabilities 1532.04 774.11 1486.99 3061.66 2652.29
Total Liabilities 30236.09 44310.06 56441.71 91717.8 114993.05
Assets
Balance with RBI 6012.07 2837.07 3879.15 6344.91 5235.39
Balance with Banks 1352.93 2673.52 1923.5 2008 957.56
Investments 5516.49 8371.94 10037.48 15351.77 25155.39
Advances 16839.08 29713.04 39643.39 66629.95 81612.88
Net Block 251.79 238.13 222.23 347.27 431.96
Other Assets 263.74 476.37 626.98 1014.41 1545.13
Total Assets 30236.09 44310.06 56441.71 91717.8 114993.05
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 40.00 40.00 39.99 39.99 39.99
bandhan financial ... 40.00 40.00 39.99 39.99 39.99
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 60.00 60.00 60.01 60.01 60.01
housing developmen... 9.90 9.90 9.89 9.89 9.89
caladium investmen... 7.79 7.79 7.79 7.79 7.79
caladium investmen... - - - - -
qualified institut... - - 4.18 4.03 -
life insurance cor... 1.94 2.11 3.69 3.69 3.69
sbi large & midcap... 2.48 - - - -
qualified institut... 2.40 - - - -
camas investment p... 1.68 - - - -
camas investments ... - 1.68 1.68 1.68 1.68
stichting deposita... - - - 1.39 1.35
stichting deposita... - - 1.28 - -
bnp paribas arbitr... 1.28 - - - -
societe generale - 1.19 - - -
amansa holdings pr... 1.02 - - - 1.17
societe generale -... 1.04 - - - -
iepf 0.05 0.05 0.05 0.05 0.05

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bandhan Bank gets empanelled by Reserve Bank of India to act as agency bank2 Nov 2021, 11:06AM Bandhan Bank reports net loss of Rs 3009 crore in Q2 30 Oct 2021, 9:54AM Bandhan Bank’s total deposits up 24% in Q2FY2211 Oct 2021, 10:51AM Bandhan Bank planning to invest in improving digital capabilities as part of Vision 202524 Aug 2021, 9:20AM Bandhan Bank reports 32% fall in Q1 net profit31 Jul 2021, 11:23AM Bandhan Bank witnesses 8% rise in loans, advances in Q1FY2216 Jul 2021, 9:25AM Bandhan Bank informs about allotment of equity shares under ESOP14 Jul 2021, 2:55PM Bandhan Bank informs about press release12 Jul 2021, 5:20PM RBI imposes penalty of Rs 1 crore on Bandhan Bank8 Jul 2021, 10:46AM Bandhan Bank fixes book closure for dividend & AGM26 Jun 2021, 11:55AM Bandhan Bank receives branding rights of Salt Lake Sector V Metro station24 Jun 2021, 9:32AM Bandhan Bank informs about allotment of equity shares under ESOP Series 114 Jun 2021, 2:33PM Bandhan Bank informs about annual secretarial compliance report29 May 2021, 1:46PM Bandhan Bank informs about outcome of NRC meet18 May 2021, 3:46PM Bandhan Bank eyeing to meet targets in current fiscal10 May 2021, 3:23PM Bandhan Bank reports 80% fall in Q4 net profit10 May 2021, 9:43AM Bandhan Bank submits PCS certificate22 Apr 2021, 12:32PM Bandhan Bank’s loans & advances jump 21% in Q4FY2113 Apr 2021, 11:05AM Bandhan Bank informs about cessation of independent directors1 Apr 2021, 11:27AM Bandhan Bank informs about allotment of equity shares under ESOP19 Feb 2021, 11:17AM Bandhan Bank reports 13% fall in Q3 net profit21 Jan 2021, 4:54PM Bandhan Bank’s advances grow by 23% in Q3FY21 7 Jan 2021, 10:14AM Bandhan Bank signs agreement with Indian Army to provide banking services6 Jan 2021, 11:48AM Bandhan Bank reports 5% fall in Q2 net profit2 Nov 2020, 3:23PM Bandhan Bank’s loans & advances jump 20% in Q2FY218 Oct 2020, 11:22AM Bandhan Bank collection efficiency ratio touches 90% in August19 Sep 2020, 10:21AM Bandhan Bank’s holding company reduces stake in bank4 Aug 2020, 1:21PM Bandhan Bank reports 32% fall in Q1 net profit16 Jul 2020, 10:28AM Bandhan Bank’s loans & advances jump 18% in Q1FY217 Jul 2020, 9:55AM Bandhan Bank reports fall of 21% in Q4 net profit 13 May 2020, 3:34PM Bandhan Bank’s deposits rise 32% in FY2013 Apr 2020, 3:39PM

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 12524.2117766 Cr. revenue in the latest financial year. It has posted outstanding revenue growth of 37.6466866270854 % in last 3 Years.

  • In terms of advances, the bank reported 22.4867777630853 % YOY,  rise . If you see 3 years advance growth, it stands at 40.0459489469793 %.

  • Currently the company has a CASA ratio of 43.3838001550553 %. It’s overall cost of liability stands at 5.22566250508181 %. Also, the total deposits from these accounts stood at Rs 77972.2248413 Cr.

  • The Bank has a healthy ROA track record. The ROA of Bandhan Bank is at 2.13385689565003 %.

  • The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 6.81 % and 3.51 % 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 180.414661382668 % 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 surged and is currently at Rs 2109.0597235 Cr.

  • The company has a Good Capital Adequacy Ratio of 23.47 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Bandhan Bank is trading at a P/B of 3.0024 . The historical average PB was 3.36744414735401.

Brief about Bandhan Bank

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