Bandhan Bank Share Price in Focus After Net Profit Jumps 483%

Bandhan Bank share price was down 0.71% and was trading at ₹164.45 at 10:50 AM. The company has announced its results for the fourth quarter of FY25, reporting a massive 483% year-on-year (YoY) rise in net profit. The bank earned ₹318 crore in profit during January–March 2025, compared to ₹55 crore in the same period last year.

Drop in Interest Income and Revenue

While profits soared, Net Interest Income (NII) fell 4% YoY to ₹2,756 crore in Q4 FY25, down from ₹2,859 crore in Q4 FY24. The total revenue also dropped by 30% YoY to ₹3,456 crore.

Margins and Provisions

Bandhan Bank’s Net Interest Margin (NIM) for the quarter stood at 6.7%, slightly lower than 6.9% in Q3 FY25.

The bank managed to reduce its provisions (excluding tax) to ₹1,260 crore, compared to ₹1,774 crore in the same quarter last year.

Stable Asset Quality

The bank’s asset quality remained stable. Gross Non-Performing Assets (GNPA) and Net NPA were flat on a quarter-on-quarter basis, at 4.7% and 1.3%, respectively.

Growth in Deposits and Loans

Deposits rose 12% YoY to ₹1.51 lakh crore, while CASA deposits (Current and Savings Accounts) stood at ₹47,437 crore with a CASA ratio of 31.4%.

 Gross advances (loans given) grew 10% YoY to ₹1.37 lakh crore. Retail loans (excluding housing) grew 98%, wholesale loans rose 35%, and housing loans increased 11%.

Bandhan Bank’s Dividend Declared

Bandhan Bank has recommended a dividend of ₹1.50 per share for FY25. This is 15% of the face value of each share. The dividend will be paid after shareholder approval at the upcoming AGM.

Conclusion

 Despite a fall in interest income and revenue, Bandhan Bank posted a strong profit jump due to reduced provisions and steady loan growth. With stable NPAs and a declared dividend, the bank shows signs of resilience and recovery.

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