Bandhan Bank Limited (NSE: BANDHANBNK)

Bandhan Bank Income Statement

Financials in millions INR. Fiscal year is April - March.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021	Mar 31, 2020
Interest Income on Loans	215,966	188,696	159,047	138,716	125,242	108,855
Interest Paid on Deposits	100,539	85,440	66,451	51,571	49,609	45,616
Net Interest Income	116,498	103,256	92,596	87,145	75,634	63,239
Net Interest Income Growth (YoY)	17.31%	11.51%	6.26%	15.22%	19.60%	40.67%
Gain (Loss) on Sale of Assets	1.26	1.26	-4.58	4.06	11.13	4.86
Gain (Loss) on Sale of Investments	4,086	4,086	-1,060	2,771	2,219	1,134
Other Non-Interest Income	25,035	17,560	25,750	25,450	17,992	14,354
Total Non-Interest Income	29,122	21,647	24,686	28,225	20,223	15,492
Non-Interest Income Growth (YoY)	38.70%	-12.31%	-12.54%	39.57%	30.54%	45.73%
Revenues Before Loan Losses	145,621	124,903	117,282	115,370	95,856	78,731
Provision for Loan Losses	42,796	36,966	41,984	78,848	38,201	13,932
Revenue	102,825	87,937	75,298	36,522	57,655	64,800
Revenue Growth (YoY)	9.69%	16.79%	106.17%	-36.65%	-11.03%	34.35%
Salaries and Employee Benefits	42,118	35,078	27,084	21,296	16,646	13,670
Occupancy Expenses	6,735	6,735	4,912	4,179	3,242	2,832
Selling, General & Administrative	2,586	2,012	2,058	1,363	1,476	1,414
Other Non-Interest Expense	17,272	14,332	12,247	8,344	6,804	6,349
Total Non-Interest Expense	69,062	58,508	46,368	35,236	28,169	24,265
EBT Excluding Unusual Items	33,763	29,429	28,930	1,286	29,487	40,534
Pretax Income	33,763	29,429	28,930	1,286	29,487	40,534
Income Tax Expense	8,942	7,134	6,983	28.3	7,432	10,297
Net Income	24,820	22,296	21,946	1,258	22,055	30,237
Net Income to Common	24,820	22,296	21,946	1,258	22,055	30,237
Net Income Growth	-16.80%	1.59%	1644.63%	-94.30%	-27.06%	54.94%
Basic Shares Outstanding	1,611	1,611	1,611	1,611	1,610	1,610
Diluted Shares Outstanding	1,611	1,611	1,611	1,611	1,611	1,611
Shares Change (YoY)	-0.06%	-0.00%	-0.01%	0.01%	-0.02%	32.20%
EPS (Basic)	15.41	13.84	13.62	0.78	13.70	18.78
EPS (Diluted)	15.41	13.84	13.62	0.78	13.69	18.76
EPS Growth	-16.74%	1.62%	1646.16%	-94.30%	-27.03%	17.18%
Dividend Per Share	1.500	1.500	1.500	-	1.000	-
Effective Tax Rate	26.49%	24.24%	24.14%	2.20%	25.20%	25.40%

Source: S&P Capital IQ. Banks template. Financial Sources.