Bandhan Bank
Mid/Small Private · NSE BANDHANBNK · Market cap ₹26,503
Latest FY FY2026
Loan growth
13.7%
Deposit growth
10.0%
NIM
6.2%
6th pctile
ROA
0.6%
ROE
5.0%
Gross NPA
3.1%
37th pctile
P/B
0.90x
10th pctile
Level · Change · Relative · History
§69/§70 — never read a single number alone
| Metric | This bank | Peer median | vs peers | Own history |
|---|---|---|---|---|
| Loan growth | 13.7% | 17.7% | -4.0pp | — |
| Deposit growth | 10.0% | 13.4% | -3.3pp | — |
| CASA | 29.4% | 32.7% | -3.3pp | 12th |
| NIM | 6.2% | 3.6% | +2.6pp | 6th |
| ROA | 0.6% | 1.1% | -0.5pp | — |
| ROE | 5.0% | 12.4% | -7.4pp | — |
| Gross NPA | 3.1% | 1.9% | +1.2pp | 37th |
| Credit cost | 3.3% | 1.3% | +2.0pp | — |
| Cost/income | 61.5% | 55.1% | +6.4pp | — |
| CRAR | 18.2% | 18.9% | -0.7pp | — |
| P/B | 0.90x | 1.07x | -0.2pp | 10th |
Inflections detected
§24 — deterministic rules on this bank's data
- ▼Net Interest Margin at 6.20 — 6th percentile of its own history (multi-year low) · hist_percentile<=10
- ▲Gross NPA -38.0% YoY to 3.10 · abs(yoy)>=15%
- ▲Fresh Slippages - Quarterly -30.3% YoY to 1080.00 · abs(yoy)>=15%
- ▼Cost To Income Ratio at 61.50 — 97th percentile of its own history (multi-year high) · hist_percentile>=90
- ▼Cost To Income Ratio +18.0% YoY to 61.50 · abs(yoy)>=15%
- ▲CASA Ratio accelerating for 3 consecutive periods · 3 consecutive positive accelerations
- ▼Capital to Risks Assets Ratio (CRAR) decelerating for 3 consecutive periods · 3 consecutive negative accelerations
- ▲Net Interest Margin accelerating for 3 consecutive periods · 3 consecutive positive accelerations