Bandhan Bank Limited — Q3 FY25
Bandhan Bank's Q3 FY25 results were weak, with PAT at INR 426 crore, down 42% YoY, driven by elevated provisions of INR 1,376 crore (including INR 336 crore from technical write...
bearish
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.
Q2 FY25
Credit cost guidance of 1.8%-2% for FY25
Management expects full-year credit cost to remain within 1.8%-2% of advances, with Q3 potentially elevated but Q4 showing improvement.
Partial / close
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
heuristic_v1
Q2 FY25
Advances growth of 18% ± 1% for FY25
Overall advances growth target of 18% ± 1%, with EEB growing at 10%-12% and secured book growing faster.
Partial / close
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
heuristic_v1
Q2 FY25
NIM guidance of 7%-7.5% for FY25
Net interest margin expected to remain in the 7%-7.5% range, with some moderation in coming quarters due to product mix shift.
Partial / close
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
heuristic_v1
Q2 FY25
OpEx to assets ratio similar to FY24
Operating expenses to average assets ratio expected to be at similar levels as FY24, around 3.7%-3.8%.
Partial / close
Current-quarter commentary contains related evidence, but delivery is not conclusive enough for a clean met verdict.
heuristic_v1