Bandhan Bank Limited — Q1 FY25
Bandhan Bank reported a strong Q1 FY25 with PAT of INR 1,063 crore (+47% YoY) driven by robust advances growth of 22% YoY and stable NIM of 7.6%.
bullish
high
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q4 FY24
Loan growth of 17-20% in FY25
Management expects total advances to grow 17-20% over the next 2-3 years, with EEB growing 14-15%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q4 FY24
Deposit growth to outpace advances growth
Bank aims for liability-first approach with deposits growing faster than assets to improve CD ratio.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q4 FY24
CGFMU claim resolution expected in Q1 FY25
Management expects the pending CGFMU audit to conclude in Q1 FY25, with a positive outcome anticipated.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1