Bandhan Bank Ltd. is a banking and financial services company. It is founded in 2015.The founder is Chandra Shekhar Ghosh. It has its headquarter in Kolkata, West Bengal India. It has its presence in 34 states and union territory with 5,639 banking outlets and more than 2.63 crore customers. The bank mainly deals with Banking, insurance, investment management, mortgage loans and mutual funds. The Total number of ATMs stood at 471 as on March 31, 2022. Total employee stood at 60,211.
Key Financial Highlights
| (in ₹ crore) | Q4 FY 22 | Q4 FY 21 |
| Total Income | 3,504.20 | 2,457.40 |
| Operating Profit | 2,521.30 | 1,642.8 5 |
| PBT | 2,516.60 | 135.1 |
| PAT | 1,902.30 | 103 |
Standalone Highlights
Operating Profit improved by 53.5% to ₹2,521.3 crores in Q4 FY 2022.
Net Interest Margin stood at 8.7% in Q4 FY 2022.
In Q4 FY 2022 the Non-interest income is up by 37.7% to ₹964.4 crore.
Consolidated Highlights
Net Interest Income (NII) improved by 15.2% to ₹8,714.0 crore.
Non-interest income increased by 39.6% to ₹2,822.8 crore.
Operating Profit shows an improvement of 18.4% to ₹8,013.4 crore.
Net Interest Margin stood at 8.2%.
Management Updates
ROA & ROE are 6.0% and 46.5% in Q4 FY 2022.
Net NPAs has declined significantly in 1.66% as on 31.3.2022.
Capital Adequacy Ratio (CRAR) stood at 20.1%.
GNPA has declined significantly to 6.46%.
Business Updates
Bandhan Bank has amended Interest Rates On Non-Withdrawable Fixed Deposits.
Bandhan Bank has decided to halve its microfinance portfolio over the next two years.
Bandhan Bank has been authorised by The Reserve Bank of India for for undertaking Government business.