Bandhan Bank Q1 FY27: Transcript of Earnings Call Released
Bandhan Bank released its Q1 FY27 earnings call transcript. Gross advances grew 16% YoY to ₹1.56 lakh crore, with deposits at ₹1.65 lakh crore. Retail deposits rose over 15% YoY. Profit after tax was ₹502 crore (up 35% YoY). The bank revised its ROA guidance downwards to 1.2%-1.4% for FY27 exit due to external headwinds like funding costs and geopolitical impacts.
The earnings call transcript provides detailed financial performance and outlook. While growth is positive, the revision in ROA guidance due to external factors indicates potential challenges ahead, impacting investor expectations.
The bank reported growth in key metrics like advances and profit, which is positive. However, the downward revision of ROA guidance due to external macroeconomic factors tempers the overall sentiment to neutral.
Bandhan Bank Limited has released the transcript of its earnings call concerning the Unaudited Financial Results for the quarter ended June 30, 2026. The call, held on Tuesday, July 21, 2026, featured insights from the Bank's senior management, including MD & CEO Mr. Partha Pratim Sengupta and CFO Mr. Rajeev Mantri.
During the call, the management discussed the bank's performance amidst a challenging operating environment characterized by seasonal headwinds, elevated funding costs, and geopolitical developments. The bank reported steady growth in gross advances, reaching ₹1.56 lakh crore (up 16% YoY), and deposits at ₹1.65 lakh crore. Retail deposits grew by over 15% YoY, and the CASA ratio improved to 29.4%. The bank maintained a stable Net Interest Margin (NIM) of 6.2% despite funding cost pressures. Profit after tax for Q1 FY27 stood at ₹502 crore, marking a 35% YoY growth. The Capital Adequacy Ratio improved to 18.2%.
Management acknowledged that the previously guided ROA of 1.6% to 1.8% by Q4 FY27 has become more challenging due to external factors, revising the outlook to a probable ROA of 1.2% to 1.4% for the exit of Q4 FY27. Key challenges highlighted include rising funding costs, increased technology-related expenditures, and uncertainty surrounding geopolitical events impacting energy prices and supply chains. The bank's strategy remains focused on strengthening granular deposits, growing CASA, enhancing customer engagement, improving operational efficiency, and asset quality, with a continued emphasis on increasing the share of secured lending in the loan book. The EEB (Existing Enterprise Business) portfolio saw a seasonal moderation, but growth in secured non-EEB portfolios contributed to overall advance growth. The bank also noted proactive balance sheet actions, including the sale of NPA loans and technical write-offs, to strengthen asset quality. Gross NPA was reported at 3.1% and Net NPA at 0.9%.
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