	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	C 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Net Interest & Dividend Income	-	933	2,403	3,032	4,496	6,324	7,563	8,714	9,260	10,326	11,491	10,830
Non-Interest Revenue	-	147	342	451	637	914	1,062	1,455	1,362	2,087	2,181	-
Total Revenue	-	1,080	2,746	3,483	5,133	7,238	8,625	10,169	10,622	12,413	13,671	10,830
Total Operating Expenses	-2	667	1,039	1,382	2,158	3,194	5,678	10,041	7,728	9,470	10,048	9,096
Operating Profit	2	414	1,706	2,101	2,975	4,044	2,948	128	2,893	2,943	3,623	1,734
Operating Margin	-	38.3	62.1	60.3	58.0	55.9	34.2	1.3	27.2	23.7	26.5	16.0
Profit before Taxes	2	414	1,704	2,056	3,013	4,053	2,949	129	2,893	2,943	3,623	1,734
Income Taxes	2	138	593	710	1,062	1,030	743	3	698	713	878	510
Profit after Tax	1	275	1,112	1,346	1,952	3,024	2,205	126	2,195	2,230	2,745	1,224
PAT Margin	-	25.5	40.5	38.6	38.0	41.8	25.6	1.2	20.7	18.0	20.1	11.3
EPS - Basic - ex Extraordinary Items	0.00	2.31	9.32	12.26	16.36	18.78	13.70	0.78	13.62	13.84	17.04	7.60
EPS - Diluted - ex Extraordinary Items	0.00	2.31	9.32	12.26	16.34	18.77	13.69	0.78	13.62	13.84	17.04	7.59
EBIT	2	414	1,706	2,101	2,975	4,044	2,948	128	2,893	2,943	3,623	1,734
EBITDA	2	449	1,773	2,187	3,053	4,124	3,051	238	3,036	3,180	3,902	2,038
EBITDA Margin	-	41.6	64.6	62.8	59.5	57.0	35.4	2.3	28.6	25.6	28.5	18.8

Balance Sheet

Abridged

Understanding Balance Sheet

Bandhan Bank Ltd. balance sheet covering assets, liabilities, equity and borrowings across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2015 Mar 31	2016 Mar 31	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	R 2021 Mar 31	2022 Mar 31	R 2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Source:	PR	PR	PR	AR	AR	AR	AR	AR	AR	AR	AR	PRESS
Cash & ST Balance with Banks	401	985	6,409	3,747	4,506	7,596	4,284	5,896	8,250	16,171	7,843	13,951
Lending & LT Balance with Banks	-	2,188	956	1,764	1,297	757	1,944	3,425	-	-	1,727	-
Property Plant & Equipment - Net	109	237	252	238	331	369	487	588	855	1,173	1,180	1,401
Total Assets	527	19,757	30,236	44,310	56,442	91,718	1,15,016	1,38,867	1,56,037	1,77,842	1,91,476	2,11,124
Deposits - Total	-	12,089	23,229	33,869	43,232	57,082	77,972	96,331	1,08,065	1,35,202	1,51,212	1,66,344
Long Term Debt	-	1,303	323	160	160	12,754	16,960	11,917	10,970	1,769	11,138	14,303
Total Liabilities	25	16,422	25,790	34,928	45,240	76,522	97,608	1,21,485	1,36,453	1,56,232	1,66,871	1,85,549
Total Shareholders' Equity	502	3,335	4,446	9,382	11,202	15,195	17,408	17,381	19,584	21,610	24,605	25,575
Total Equity	502	3,335	4,446	9,382	11,202	15,195	17,408	17,381	19,584	21,610	24,605	25,575
Total Liabilities & Equity	527	19,757	30,236	44,310	56,442	91,718	1,15,016	1,38,867	1,56,037	1,77,842	1,91,476	2,11,124

Cash Flow

Abridged

Understanding Cash Flow Statement

Bandhan Bank Ltd. cash flow statement covering operating, investing and financing activities across annual and quarterly periods.

Consolidated

Standalone

Annual

Interim

	2015 Mar 31	2016 Mar 31	2017 Mar 31	C 2018 Mar 31	2019 Mar 31	C 2020 Mar 31	R 2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31	2026 Mar 31

Period length: Source:	12M PR	12M PR	12M PR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M AR	12M PRESS
Operating CF bef Changes in Working Cap	-5	204	1,279	1,706	2,730	4,274	5,575	7,366	7,243	5,516	6,983	5,486
Working Capital - Increase/(Decrease)	6	6,749	7,607	-4,305	204	2,786	-5,739	-5,336	-10,199	10,714	-2,774	-2,603
Net CF from Operating Activities	1	6,954	8,885	-2,599	2,934	7,060	-163	2,029	-2,956	16,231	4,209	2,883
Capital Expenditures - Net	101	160	82	72	171	102	220	211	410	556	286	526
Net CF from Investing Activities	-102	-3,718	-2,671	-2,237	-2,612	-5,788	-2,550	-1,739	-2,906	268	-5,335	-1,424
Dividends Paid - Cash - Total	-	-	-	-	144	608	-	161	-	242	242	242
Stock - Issuance/(Retirement) - Net	501	2,550	-	3,662	5	9	7	3	2	2	0	0
Debt - LT & ST - Issuance/(Retirement) - Total	-	-6,272	-2,023	-744	236	839	581	2,961	4,790	-8,339	-5,233	3,164
Net Cash Flow from Financing Activities	501	-3,723	-2,023	2,846	105	154	588	2,803	4,791	-8,579	-5,475	2,923
Free Cash Flow to Equity	-100	522	6,781	-3,415	2,999	7,797	198	4,779	1,424	7,335	-1,310	5,521
Free Operating CF net dividend	-100	6,794	8,803	-2,671	2,619	6,348	-386	1,656	-3,368	15,432	3,679	2,113
Free Operating CF	-100	6,794	8,803	-2,671	2,763	6,957	-386	1,818	-3,368	15,673	3,921	2,354

Business Segment Analysis

FY End:

Mar 25

Bandhan Bank Ltd. business segment breakdown covering revenue, operating income and assets across key divisions for the selected financial year.

Capex

Retail Banking (96.0%)₹ 276.42 CrCorporate/Wholesale Banking (4.0%)₹ 11.65 CrTreasury (0.0%)₹ 0.00 Cr

Revenue / Sales

Retail Banking (79.5%)₹ 19,798.07 CrTreasury (10.1%)₹ 2,517.82 CrCorporate/Wholesale Banking (8.9%)₹ 2,213.14 CrOther Banking Business (1.5%)₹ 385.80 Cr

Assets

Retail Banking (57.6%)₹ 1,10,283.46 CrTreasury (26.3%)₹ 50,416.35 CrCorporate/Wholesale Banking (15.4%)₹ 29,532.54 CrUnallocated Assets (0.6%)₹ 1,198.92 CrOther Banking Business (0.0%)₹ 45.02 Cr

Operating Income

Retail Banking (83.3%)₹ 6,152.21 CrTreasury (11.4%)₹ 840.33 CrOther Banking Business (5.0%)₹ 367.65 CrCorporate/Wholesale Banking (0.4%)₹ 28.50 Cr

Regional Segment Analysis

FY End:

Mar 25

Bandhan Bank Ltd. geographic revenue split showing domestic and international market performance across revenue and income for the selected financial year.

Revenue / Sales

India (100.0%)₹ 13,671.43 Cr

Assets

India (100.0%)₹ 1,91,476.29 Cr

Historical Segment Analysis

Track how Bandhan Bank Ltd. segment contributions have evolved over multiple financial years to see which divisions are growing, shrinking or gaining strategic importance.

Capex

Sales

Assets

Operating Income

Business

Regional

Business

	2017 Mar 31	2018 Mar 31	2019 Mar 31	2020 Mar 31	2021 Mar 31	2022 Mar 31	2023 Mar 31	2024 Mar 31	2025 Mar 31

Retail Banking	82	72	171	103	223	212	388	517	276
Corporate/Wholesale Banking	0	0	0	0	0	0	25	24	12
Treasury	0	0	0	0	0	0	0	17	0

Frequently Asked Questions

What is the revenue of Bandhan Bank Ltd.?

The latest trailing twelve month revenue of Bandhan Bank Ltd. is ₹ 13,563.70 Cr, reflecting a 1-year growth of -6.18% and a 3-year CAGR of 4.96%. Annual and quarterly revenue trends are available in the Income Statement section.

What is the net profit of Bandhan Bank Ltd.?

The latest trailing twelve month net profit (PAT) of Bandhan Bank Ltd. is ₹ 1,223.56 Cr, with a 3-year earnings CAGR of -17.71%. Detailed profit history across annual and quarterly periods is in the Income Statement section.

What is the EBITDA of Bandhan Bank Ltd.?

The trailing twelve month EBITDA of Bandhan Bank Ltd. is approximately ₹ 1,733.81 Cr (based on an operating margin of 12.78%). EBITDA reflects core operating profitability before interest, taxes, depreciation and amortisation.

What is the EPS of Bandhan Bank Ltd.?

The trailing twelve month Earnings Per Share (EPS) of Bandhan Bank Ltd. is 7.59. EPS trends across annual and quarterly periods are visible in the Income Statement section.

What is the debt level of Bandhan Bank Ltd.?

The debt-to-equity ratio of Bandhan Bank Ltd. stands at 0.56. The full breakdown of total borrowings is in the Balance Sheet section.

What is the book value per share of Bandhan Bank Ltd.?

The estimated book value per share of Bandhan Bank Ltd. is 155.65 (derived from a P/B ratio of 1.29 and market price of ₹ 201.10), reflecting the net asset value attributable to each share. See the Balance Sheet section for a full breakdown.

What is the cash flow from operations of Bandhan Bank Ltd.?

The trailing twelve month operating cash flow of Bandhan Bank Ltd. is ₹ 2,883.02 Cr. Annual and quarterly cash flow data is available in the Cash Flow section of the Statements tab.

Does Bandhan Bank Ltd. report consolidated or standalone financials?

Bandhan Bank Ltd. reports consolidated financials. You can toggle between consolidated and standalone views using the switch at the top of each statement section.