Bandhan Bank Q4FY20 earnings today: Here are key expectations

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.

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

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