Bandhan Bank shares declined over 2% even as the lender reported healthy provisional figures for Q4 and FY25, showcasing steady growth in advances and deposits. As of 10:00 AM, the shares were trading 2.48% lower at Rs 152.72.
Total loans and advances (on-book plus PTC) grew 10.6% year-on-year (YoY) to ₹1,37,902 crore, up from ₹1,24,721 crore in Q4FY24. On a sequential basis, advances rose 4.5% quarter-on-quarter (QoQ).
Deposits saw a robust 11.8% YoY increase, reaching ₹1,51,209 crore, with QoQ growth at 7.2%. Retail deposits, including CASA, rose 11% YoY and 7.6% QoQ to ₹1,04,153 crore. However, the CASA ratio dropped to 31.4% from 37.1% last year. CASA deposits stood at ₹47,436 crore.
Retail term deposits jumped 29.9% YoY, while bulk deposits grew 13.7% YoY, highlighting strong deposit mobilization.
Collection efficiency remained stable, improving slightly to 97.9% in Q4FY25 from 97.7% in Q3FY25. EEB segment recorded 97.7% efficiency, and Non-EEB stood at 98.4%.
The bank’s Liquidity Coverage Ratio (LCR) remained strong at 177.54% as of March 31, 2025, signaling healthy liquidity.
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