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Bandhan Bank Q4FY20 earnings today: Here are key expectations

Bandhan Bank's loan growth is likely to remain anywhere between 83 percent and 85 percent year-on-year (YoY) following the acquisition of Gruh Finance.

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By Abhishek Kothari  May 12, 2020 2:32:27 PM IST (Published)

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Bandhan Bank is going to announce its Q4FY20 results on Tuesday with the street closely watching the bank's net interest margins (NIMs). The loan growth is likely to remain anywhere between 83 percent and 85 percent year-on-year (YoY) following the acquisition of Gruh Finance.

Bandhan Bank's provisions could rise on account of either the slippages or the moratorium book that they provide for. Gross non-performing assets (NPAs) could rise but it may remain under control due to moratorium. A CNBC-TV18 poll's results indicate that the net interest income (NII) growth may remain at 22.5 percent YoY while net profit could rise a little under 8 percent on a YoY basis.
CNBC-TV18's Abhishek Kothari lists out the key pointers and expectations ahead of Bandhan Bank's results today:
Q4FY20: Key Things To Watch
  • Loan growth seen at +83-85 percent (YoY)
  • Provisions could rise due to higher provisioning for bad loans
  • Maintaining Net Int Margins at Q3 levels will be positive
  • Gross NPA could rise, but remain under control
  • Moratorium details will be keenly watched
  • Q4FY20 (YoY)
    • Net Int Income seen (GU) 22.4 percent at Rs 1,539.1 crore vs Rs 1,257.5 crore
    • Net Profit seen (GU)7.8 percent at Rs 701.4 crore vs Rs 650.9 crore
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