Bandhan Bank Ltd.
Snapshot View

316.75 +2.30 ▲0.7%

20 May 2022, 04:01:00 PM
Volume: 372,617

Overview View Details

Sector Banking Compare with Sector peers
Industry Bank - Private Compare with Industry peers
Website http://www.bandhanbank.com
Market Cap 51,021.28 Cr.
Enterprise Value(EV) Cr. -
Financial Indicators
Earnings per share (EPS) 0.78 Trailing Twelve Months Ending 2022-03
Price-Earning Ratio (PE) 405.59 Trailing Twelve Months Ending 2022-03
Industry PE 20.42 Trailing Twelve Months Ending 2022-03
Book Value / Share 107.91 Trailing Twelve Months Ending 2022-03
Price to Book Value 2.94 Calculated using Price: 316.75
Dividend Yield 0.32 Period Ending 2021-03
No. of Shares Subscribed 161.08 Cr. 1,610,774,356 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
+0.73%
1 Week
-0.20%
1 Month
-1.87%
3 Month
-0.78%
6 Month
+3.58%
1 Year
+7.66%
2 Year
+42.87%
5 Year
10 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
Interest Spread (%) 8.43 17.01 10.98 11.85 10.13 10.12
Yield on Advances (%) 12.71 23.21 16.16 16.76 16.34 15.35

Balance Sheet View Details

Particulars 8 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. 2021-09* Rs. Cr.
Shh. Funds 3,335 4,446 9,382 11,202 15,195 17,408 14,616
Minority Int.
Deposits 12,089 23,229 33,869 43,232 57,082 77,972 81,898
Borrowings 3,052 1,029 285 521 16,379 16,960 13,905
Other Liab. 25 1,282 1,532 774 1,487 3,062 2,652 5,927
Total Liab. 527 19,757 30,236 44,310 56,442 91,718 114,993 116,347
Fixed Assets 109 237 252 238 331 369 487 515
Investments 3,758 5,516 8,372 10,037 15,352 25,155 25,822
Advances 12,438 16,839 29,713 39,643 66,630 81,613 74,487
Cash & Bank 401 3,173 7,365 5,511 5,803 8,353 6,193 12,844
Other Assets 17 150 264 476 627 1,014 1,545 2,678
Total Assets 527 19,757 30,236 44,310 56,442 91,718 114,993 116,347

Profit Loss View Details

Particulars 8 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. 2022-03 Rs. Cr. TTM
Interest Earned 1,581 3,909 4,802 6,643 10,885 12,524 13,871
Other Income 8 150 411 706 1,063 1,549 2,109 2,702
Total Income 8 1,731 4,320 5,508 7,706 12,435 14,633 16,573
Operating Exp. -6 -616 -1,022 -1,308 -1,810 -2,427 -2,817 -3,524
Provisions -2 -53 -88 -374 -735 -1,393 -3,907 -7,763
PBIT 1 1,062 3,210 3,826 5,161 8,615 7,910 5,286
Interest -649 -1,505 -1,770 -2,148 -4,562 -4,961 -5,157
Tax -138 -593 -710 -1,062 -1,030 -743 -3
PAT 1 275 1,112 1,346 1,952 3,024 2,205 126
Adjusted EPS 3 10 11 16 19 14 1

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 2020-03 (%) 2020-06 (%) 2020-09 (%) 2020-12 (%) 2021-03 (%) 2021-06 (%) 2021-09 (%) 2021-12 (%) 2022-03 (%)
Promoter 60.95 60.95 40.00 40.00 39.99 39.99 39.99 39.99 39.99
Public 39.05 39.05 60.00 60.00 60.01 60.01 60.01 60.01 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

Thu, 19 May 2022
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
In continuation to our letter ref. no. BBL/44/2022-23 dated May 13 2022 and pursuant to the provisions of Regulation 30 and other applicable provisions of SEBI LODR we hereby submit the transcript of the Earnings Call hosted by Bandhan Bank Limited (the Bank) on Friday May 13 2022 on the Audited Financial Results of the Bank for the quarter (Q4) and Financial Year ended March 31 2022.
Fri, 13 May 2022
Outcome Of Board Meeting Held On May 13 2022 - SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015
Pursuant to the provisions of Regulation 33 and other applicable provisions of the SEBI LODR we wish to inform that the Board of Directors (the Board) of Bandhan Bank Limited (the Bank) at its meeting held today i.e. Friday May 13 2022 has considered and approved the Audited Financial Results of the Bank for the quarter (Q4) and Financial Year ended March 31 2022.
Fri, 13 May 2022
Audio Recording Of The Earnings Call On The Audited Financial Results Of The Bank For The Quarter (Q4) And Financial Year Ended March 31 2022 - SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015
In continuation to our letter ref. no. BBL/043/2022-23 dated May 13 2022 and pursuant to the provisions of Regulation 30 and other applicable provisions of SEBI LODR we hereby inform that the link of the audio recording of the Earnings Call hosted by Bandhan Bank Limited (the Bank) on Friday May 13 2022 on the Audited Financial Results of the Bank for the quarter (Q4) and Financial Year ended March 31 2022 has been uploaded on the website of the Bank and the same can be accessed at the following link: https://bandhanbank.com/quarterly-report under the tab: FY 2021-22 under the head: Q4.

Technical Scans View Details

Fri, 20 May 2022
Close Within 52 Week High Zone Close Within 52 Week High Zone
MFI Trending Down MFI Trending Down
Bullish Harami Cross Bullish Harami Cross
Thu, 19 May 2022
Opening at High Opening at High
Closing Below Previous Low Closing Below Previous Low

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