Bandhan Bank Ltd.
Snapshot View

297.75 -7.30 ▼-2.4%

26 July 2021, 04:02:11 P.M.
Volume: 5,260,125

Overview View Details

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.bandhanbank.com
Financial Indicators
Market Cap 47,973.92 Cr.
Earnings per share (EPS) 13.69 Trailing Twelve Months Ending 2021-03
Price-Earning Ratio (PE) 21.75 Trailing Twelve Months Ending 2021-03
Industry PE 27.37 Trailing Twelve Months Ending 2021-03
Book Value / Share 108.08 Trailing Twelve Months Ending 2021-03
Price to Book Value 2.76 Calculated using Price: 297.85
Dividend Yield 0.34 Period Ending 2021-03
No. of Shares Subscribed 161.07 Cr. 1,610,673,892 Shares
FaceValue 10
Company Profile

Bandhan Bank started in 2001 as a not-for-profit enterprise that stood for financial inclusion and women empowerment through sustainable livelihood creation. It turned into a non-banking financial company (NBFC) a few years later. In 2015, the Reserve Bank of India (RBI) gave Bandhan the universal banking licence. On August 23, 2015, Bandhan Bank was born with a bouquet of products for customers in all segments. In all the avatars of Bandhan, the objective has remained reaching out to the unbanked and the under-banked, and providing last-mile banking for all, big or small. The core purpose has graduated from financial inclusion to inclusive banking.

The Bank is driven by a constant desire to serve its customers better. It offers world-class banking products and services to urban, semi-urban and rural customers. The experienced management, diversified team, and a well-entrenched distribution network, all of which makes the Bank well poised to meet the aspirations of customers and all other stakeholders, are its key differentiators. The service that the Bank provides to its customers stands out, as it strives every day to nurture every relationship, listening closely to customers, and bringing solutions to them that truly cater to their needs.

Business area of the Bank:

Bandhan Bank is focussed on serving the unbanked and underbanked population of India. It offers world-class banking solutions and financial services in the form of asset and liability products and services. It offers regular banking services, microfinance, MSME, and affordable housing finance to urban, semi-urban and rural customers. It works on the ethos of bringing those outside the purview of India’s formal banking marketplace within the ecosystem.

Awards and Recognitions:

2016-17:

  • Bandhan Bank received the ‘Special Initiative Award’ for the year 2014-15 as part of FE INDIA’s Best Bank Awards.
  • Bandhan Bank received the Bihar Mitra Award for Banking and Finance on Bihar Divas in Mumbai.

2017-18:

  • Bandhan Bank bagged ‘The Hindu Business Line Changemakers Award’. It was selected as Changemaker – Financial Transformation (category).
  • Bandhan Bank has been declared the ‘Best Private Sector Bank – Government Scheme Participation (PMMY)’ for the Dun & Bradstreet Banking Awards 2017.

2018-19:

  • Bandhan Bank was declared as the winner in the ‘Noteworthy Lender to the MSE - Private Sector Bank’ category at the SIDBI ET MSE Awards 2018 held on January 2019.
  • Bandhan Bank was given the ‘Best Bank of the Year’ 2018 at Moneycontrol’s ‘The Wealth Creator Awards’ in November 2018.
  • Bandhan Bank received the award in ‘Best Performing Bank’ in terms of Aadhaar generation and update (using online client) at the Aadhaar Excellence Awards in October 2018.
  • Bandhan Bank won the ‘Entrepreneur with Social Impact’ Award at the first edition of the CNBC-AWAAZ CEO Awards 2018 presented by the Chhattisgarh Government in July 2018.

2019-20:

  • ‘Emerging Company of the Year’ at The Economic Times Awards 2019 for Corporate Excellence.
  • ‘Best Bank’ and the ‘Fastest Growing Bank’ in the small size bank category at Businessworld Magna Awards 2019.
  • ‘Fastest Growing Company’ and ‘Excellence in Business Performance’ at The Economic Times Bengal Corporate Awards 2020.
  • ‘Best Indian Banking and Financial Institution’ at Times Business Awards 2020.

Major Events and Milestones:

  • 2001: Bandhan started as a society that stood for financial inclusion and women empowerment through sustainable livelihood creation.
  • 2001: Started microfinance operations in rural Bengal.
  • 2006: Bandhan acquired an NBFC and established Bandhan Financial Services Private Limited, yet the core objective remained that of financial inclusion.
  • 2009: The microfinance portfolio was transferred from society to NBFC.
  • 2010: Bandhan became the largest microfinance institution (MFI) in the country.
  • 2015: Bandhan Bank started operations as a universal bank on August 23.
  • 2015: It became the first microfinance company in India to get a universal banking licence.
  • 2015: On the day of the launch, the Bank started with 2,523 banking outlets.
  • 2018: On the day of listing itself, Bandhan Bank emerged as the 8th most valued bank on the basis of market capitalisation.
  • 2019: Bandhan Bank acquired the stake of HDFC Limited in GRUH Finance, one of India’s foremost affordable housing finance companies.
  • 2020: The Bank set up its 1,000th bank branch and 4,000th banking outlet.

Delivery View Details

Delivered Qty
Traded Qty

Performance View Details

1 Day
-2.39%
1 Week
-3.45%
1 Month
-10.59%
3 Month
-4.92%
6 Month
-3.81%
1 Year
-12.77%
2 Year
-39.26%
5 Year
7 years 2015-03 2016-03 2017-03 2018-03 2019-03 2020-03 2021-03
Return on Equity (%) 0.11 14.35 28.58 19.46 18.96 22.91 13.53
Return on Assets (%) 2.79 4.45 3.61 3.87 4.08 2.13
Net Interest Margin 4.82 8.09 6.96 8.10 7.00 6.70
Yield on Advances (%) 12.71 23.21 16.16 16.76 16.34 15.35

Balance Sheet View Details

Particulars 7 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Shh. Funds 3,335 4,446 9,382 11,202 15,195 17,408
Minority Int.
Deposits 12,089 23,229 33,869 43,232 57,082 77,972
Borrowings 3,052 1,029 285 521 16,379 16,960
Other Liab. 25 1,282 1,532 774 1,487 3,062 2,652
Total Liab. 527 19,757 30,236 44,310 56,442 91,718 114,993
Fixed Assets 109 237 252 238 331 369 487
Investments 3,758 5,516 8,372 10,037 15,352 25,155
Advances 12,438 16,839 29,713 39,643 66,630 81,613
Cash & Bank 401 3,173 7,365 5,511 5,803 8,353 6,193
Other Assets 17 150 264 476 627 1,014 1,545
Total Assets 527 19,757 30,236 44,310 56,442 91,718 114,993

Profit Loss View Details

Particulars 7 years 2015-03 Rs. Cr. 2016-03 Rs. Cr. 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Interest Earned 1,581 3,909 4,802 6,643 10,885 12,524
Other Income 8 150 411 706 1,063 1,549 2,109
Total Income 8 1,731 4,320 5,508 7,706 12,435 14,633
Operating Exp. -6 -616 -1,022 -1,308 -1,810 -2,427 -2,817
Provisions -2 -53 -88 -374 -735 -1,393 -3,907
PBIT 1 1,062 3,210 3,826 5,161 8,615 7,910
Interest -649 -1,505 -1,770 -2,148 -4,562 -4,961
Tax -138 -593 -710 -1,062 -1,030 -743
PAT 1 275 1,112 1,346 1,952 3,024 2,205

Cash Flow View Details

Particulars 5 years 2017-03 Rs. Cr. 2018-03 Rs. Cr. 2019-03 Rs. Cr. 2020-03 Rs. Cr. 2021-03 Rs. Cr.
Cash Fr. Operatn. 8,885 -2,599 2,695 6,583 -945
Cash Fr. Inv. -2,671 -2,237 -2,373 -5,312 -1,804
Cash Fr. Finan. -2,023 2,846 105 154 588
Net Change 4,192 -1,989 427 1,426 -2,160
Cash & Cash Eqvt 7,365 5,375 5,802 8,352 6,192

Shareholding Pattern View Details

9 Qtrs 2019-03 (%) 2019-06 (%) 2019-09 (%) 2019-12 (%) 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%)
Promoter 82.26 82.26 82.26 60.96 60.95 60.95 40.00 40.00 39.99
Public 17.74 17.74 17.74 39.04 39.05 39.05 60.00 60.00 60.01
Depository Receipts 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Promoter Holding Pledge (%) 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Announcements View Details

Fri, 16 Jul 2021
Updates
Bandhan Bank Limited has informed the Exchange regarding 'In accordance with SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 and Code of Practices and Procedures for Fair Disclosure of Unpublished Price Sensitive Information in terms of Regulation 8 of SEBI (Prohibition of Insider Trading) Regulations, 2015, we would like to intimate the following with respect to Bank s Deposits, Advances and other information for the quarter ended June 30, 2021'.
Thu, 15 Jul 2021
ESOP/ESOS/ESPS
Bandhan Bank Limited has informed the Exchange regarding Allotment of 4747 Shares.
Wed, 14 Jul 2021
ESOP/ESOS/ESPS
Bandhan Bank Limited has informed the Exchange regarding Allotment of 4747 Shares.

Technical Scans View Details

Mon, 26 Jul 2021
Stock Underperforming Benchmark Index in both 1 Week and 3 Month Stock Underperforming Benchmark Index in both 1 Week and 3 Month
Stock Underperforming Sectoral Index in both 1 Week and 3 Month Stock Underperforming Sectoral Index in both 1 Week and 3 Month
Increasing Relative Strength - Benchmark index Increasing Relative Strength - Benchmark index
Increasing Relative Strength - Sectoral Index Increasing Relative Strength - Sectoral Index
Both SRS And ARS Below Zero Both SRS And ARS Below Zero

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