Company Update : Bandhan Bank Ltd By Motilal Oswal Financial Services Ltd
Deposits up 12% YoY; CASA ratio moderates to 31.4%
BANDHAN released its quarterly business update, highlighting the key trends for 4QFY25:
* Gross advances (on book + PTC) grew 10.6% YoY/4.5% QoQ to ~INR1.38t.
* Deposits grew by 7.2% QoQ (up 11.8% YoY). CASA deposits grew by 6.0% QoQ (down 5.4% YoY). As a result, CASA ratio declined to 31.4% (vs. 31.7% in 3QFY25).
* Retail deposits (incl CASA) grew 11% YoY/7.6% QoQ. The proportion of retail deposits stood at 68.9% (vs. 68.7% in 3QFY25). LCR for the bank stood at a healthy 177.5%.
* On the asset quality front, the overall CE increased slightly QoQ to 97.9%, with collection efficiency in the Non-EEB segment at 98.4% and EEB at 97.7%.
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