Bandhan Bank

Bandhan Bank reported a strong Q4 FY26 with PAT of INR 534Current reported value: 534. No comparable prior figure is available in the source record. crore, up 68% YoYCurrent 68% YoY. Reported change: +8% QoQ., driven by margin expansion (NIM at 6.2%Current reported value: 6.2%. No comparable prior figure is available in the source record., up 30bps QoQ) and lower credit costs (2% vs 3.3% in Q3). Advances grew 13% YoYCurrent reported value: 13% YoY. No comparable prior figure is available in the source record. to INR 1.54 lakh crore, with secured book now 56% of portfolio. Asset quality improved: gross slippages fell to INR 1,028 croreCurrent INR 1,028 crore. Reported change: -22% QoQ. (from INR 1,314 crore in Q3), and collection efficiency ex-NPA reached 98.9%Current 98.9%. Reported change: +80bps QoQ.. Management guided for ROA of 1.6-1.8% by Q4 FY27, supported by further NIM improvement of 10-20bps, lower credit costs, and higher fee income. Key risk: potential macroeconomic headwinds from geopolitical tensions (war) impacting fuel prices and rural demand.