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Bandhan Bank Ltd

Updated on October 15, 2020

Stock/Share Code - BANDHANBNK

Bandhan Bank is focussed on serving the unbanked and underbanked population of India. It offers world-class banking solutions and financial services in the form of asset and liability products and ser...show more

Below is the details of BANDHANBNK Bandhan Bank Ltd

Market Cap₹49,284 Cr.
Current Price ₹316.05 as on 21 Oct 20
52 Week High / Low Price₹650 / ₹152.2
Face Value₹10
Stock P/E17.79
Book Value₹94.36
Dividend Yield0.98 %
ROCE12.00 %
ROE22.91 %
Sales Growth (3yrs)40.69 %
SectorBanks
IndustryBanks - Private Sector
Listed onBSE  AND  NSE
Company WebsiteCompany Website
Pros: Company is expected to give good quarter
Cons: Stock is trading at 3.24 times its book value Company has low interest coverage ratio. Promoter holding has decreased by -20.95% over last quarter

Bandhan Bank Ltd Price Chart

Bandhan Bank Ltd Price Chart

Bandhan Bank Ltd Peer Comparison in Banks

S.No. Name CMP Rs. P/E Mar Cap Rs.Cr. Div Yld % NP Qtr Rs.Cr. Qtr Profit Var % Qtr Sales Var % Sales Qtr Rs.Cr. ROCE %
1. HDFC Bank ₹1,246.7 21.54 ₹614,066.43 Cr. 0.67 ₹6,927.24 Cr. 22.04 10.88 32351.61 7.31
2. Kotak Mah. Bank ₹1,393.3 30.32 ₹277,327.41 Cr. 0.06 ₹1,852.59 Cr. 5.11 1.60 8421.69 7.35
3. ICICI Bank ₹420.3 26.75 ₹272,103.11 Cr. 0.25 ₹3,117.68 Cr. 24.03 10.10 22422.71 5.90
4. Axis Bank ₹501.45 89.88 ₹152,009.25 Cr. 0.20 ₹1,099.52 Cr. -12.83 8.14 16799.19 5.55
5. Bandhan Bank 17.78 ₹49,244.35 Cr. 0.98 ₹549.82 Cr. -31.58 14.70 3018.09 12.00
6. IndusInd Bank ₹628.1 12.68 ₹43,708.53 Cr. 1.19 ₹460.64 Cr. -67.84 2.88 7161.73 8.50
7. IDBI Bank ₹37.6 ₹40,743.83 Cr. 0.00 ₹159.14 Cr. 104.16 -3.80 4903.80 0.33

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Bandhan Bank Ltd Fundamentals

Quarterly Results

Quarterly reports are issued by companies every three months. Most companies have a financial year-end of Mar. 31 and quarters that end on June 30, Sept. 30, Dec. 31 and March 31.

Standalone Figures in Rs. Crores

Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020
Revenue1,1201,1781,3511,5561,6061,6501,8322,6312,6902,7182,8463,018
Interest4274464875195285265751,0571,1611,1771,1661,207
Expenses -4084384725075588356456767289291,4871,463
Employee Cost %15.47%13.83%13.96%15.99%14.58%15.50%14.73%12.61%12.37%12.53%12.72%12.90%
Financing Profit285294391530519289612899801611193348
Financing Margin %25%25%29%34%32%18%33%34%30%22%7%12%
Other Income223158203211230234388331360358500387
Depreciation000000000000
Profit before tax5084525957407505231,0001,2301,161969693735
Tax %35%34%35%35%35%37%35%35%16%25%25%25%
Net Profit331300388482488331651804972731517550
EPS in Rs3.022.743.514.044.092.785.464.996.044.543.213.41
Gross NPA %1.43%1.67%1.25%1.26%1.29%2.41%2.04%1.70%1.76%1.93%1.48%1.43%
Net NPA %0.76%0.80%0.58%0.64%0.69%0.70%0.58%0.59%0.56%0.81%0.58%0.48%
NotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotesNotes

Profit & Loss

The profit and loss (P&L) statement is a financial statement that summarizes the revenues, costs and expenses incurred during a specified period, usually a fiscal quarter or year. The P&L statement is synonymous with the income statement. These records provide information about a company's ability or inability to generate profit" by increasing revenue, reducing costs or both. Some refer to the P&L statement as a statement of profit and loss, income statement, statement of operations, statement of financial results or income, earnings statement or expense statement.

Standalone Figures in Rs. Crores

Mar 2017Mar 2018Mar 2019Mar 2020TTM
Revenue3,9094,8026,64310,88511,272
Interest1,5051,7702,1484,5624,711
Expenses -1,0441,5972,4673,7394,607
Manufacturing Cost %0.02%0.03%0.04%0.09%
Employee Cost %13.98%14.35%15.22%12.58%
Other Cost %12.70%18.87%21.88%21.68%
Financing Profit1,3601,4362,0282,5841,954
Financing Margin %35%30%31%24%17%
Other Income4117061,0631,5491,605
Depreciation678678800
Profit before tax1,7042,0563,0134,0533,559
Tax %35%35%35%25%
Net Profit1,1121,3461,9523,0242,770
EPS in Rs10.1511.2816.3618.7817.20
Dividend Payout %0%9%18%0%

Compounded Sales Growth

  • 3 Years:: 40.69%
  • TTM:: 46.03%

Compounded Profit Growth

  • 3 Years:: 39.57%
  • TTM:: 21.84%

Return on Equity

  • 1 Year:: -34.86%

Balance Sheet

A balance sheet is a financial statement that reports a company's assets, liabilities and shareholders' equity at a specific point in time, and provides a basis for computing rates of return and evaluating its capital structure. It is a financial statement that provides a snapshot of what a company owns and owes, as well as the amount invested by shareholders. It is used alongside other important financial statements such as the income statement and statement of cash flows in conducting fundamental analysis or calculating financial ratios.

Standalone Figures in Rs. Crores

Mar 2017Mar 2018Mar 2019Mar 2020
Share Capital -1,0951,1931,1931,610
Equity Capital1,0951,1931,1931,610
Reserves3,3518,18910,00913,585
Borrowings24,25834,15443,75373,461
Other Liabilities -1,5327741,4873,062
Other liability items1,5327741,4873,062
Total Liabilities30,23644,31056,44291,718
Fixed Assets -252238222347
Gross Block354427489709
Accumulated Depreciation103188267362
CWIP0010922
Investments5,5168,37210,03715,352
Other Assets -24,46835,70046,07375,997
Cash Equivalents7,3655,5115,8038,353
Loans n Advances2644766271,202
Other asset items16,83929,71339,64366,442
Total Assets30,23644,31056,44291,718

Cash Flows

Cash flow is the net amount of cash and cash-equivalents being transferred into and out of a business. At the most fundamental level, a company’s ability to create value for shareholders is determined by its ability to generate positive cash flows, or more specifically, maximize long-term free cash flow.

Standalone Figures in Rs. Crores

Mar 2017Mar 2018Mar 2019Mar 2020
Cash from Operating Activity -8,885-2,5992,6956,482
Profit from operations1,8602,5163,4964,928
Loans Advances-4,453-13,100-10,599-10,231
Operating investments829-871948353
Deposits11,14010,6409,36312,294
Other WC items91-974585269
Working capital changes7,607-4,3052962,685
Direct taxes-581-810-1,097-1,131
Cash from Investing Activity --2,671-2,237-2,373-4,086
Fixed assets purchased-82-72-171-103
Fixed assets sold0001
Investments purchased-2,589-2,029-2,657-5,386
Investment income00320578
Interest received0000
Issue of shares on acq000-300
Other investing items-0-1351351,125
Cash from Financing Activity --2,0232,846105154
Proceeds from shares03,662129
Proceeds from borrowings5303361,534
Repayment of borrowings0-53-100-695
Dividends paid00-144-608
Other financing items-2,076-7630-86
Net Cash Flow4,192-1,9894272,550

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Ratios

Mar 2017Mar 2018Mar 2019Mar 2020
ROE %19%19%23%

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Disclaimer:
All efforts have been made to ensure the information provided here is accurate as per time to time filling by company to exchanges. However, no guarantees are made regarding correctness of data. Investors are advised to validate/check information with exchanges or companies website before making any investment decisions.