Bandhan Bank Limited — Q4 FY26
Bandhan Bank reported a strong Q4 FY26 with PAT of INR 534 crore, up 68% YoY, driven by margin expansion (NIM at 6.2%, up 30bps QoQ) and lower credit costs (2% vs 3.3% in Q3).
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.
Q3 FY26
NIM improvement from current levels
CFO expects NIM to improve from 5.9% due to cost of funds declining 35-50 bps over next 2-3 quarters, partly offset by repo rate cut impact of ~11 bps.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1
Q3 FY26
EB book to show sequential growth
Management expects the microfinance portfolio to grow sequentially, with degrowth phase behind, supported by improving disbursements and collections.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
heuristic_v1