Bandhan Bank Limited — Q2 FY25
Bandhan Bank reported a mixed Q2 FY25 with PAT of INR 937 crore (+30% YoY) and NIM of 7.4%, but asset quality weakened as gross NPA rose to 4.7% and credit costs hit 2%.
neutral
medium
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.
Q1 FY25
Loan growth of 18-20% for FY25
Management expects overall loan book growth of 18-20% for FY25, with secured book growing faster than EEB.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Deposit growth higher than loan growth
Deposit growth will continue to outpace advances growth, with focus on retail deposits.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
NIM maintained at 7-7.5%
Net interest margin is expected to remain in the range of 7-7.5% for FY25.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q1 FY25
Credit cost guidance of 1.8-2% for FY25
Credit cost for FY25 is expected to be in the range of 1.8-2%, despite Q1 coming in lower at 1.6%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1