Toh kya hain poori details?
Bandhan Bank ke Q4 FY26 ke liye provisional figures se pata chalta hai ki bank ne business mein kaafi tezi pakdi hai. Loans and advances, jisme on-book aur pass-through-certificate (PTC) portfolio shaamil hain, woh ₹1.54 lakh crore tak pahunch gaye. Yeh pichhle saal ke muqable 12.6% zyada hai aur pichhle quarter se 6.2% zyada hai. Iske saath hi, total deposits bhi saal-dar-saal 10% badh kar ₹1.66 lakh crore ho gaye hain, jo pichhle quarter se 6.1% ka izafa hai.
Retail Deposits ka Rawaadaar (The Retail Deposit Driver)
Bank ka retail deposits par focus kaafi rang la raha hai. Retail term deposits mein toh 30.1% ka zabardast YoY jump aaya hai, jo ab ₹73,796 crore ho gaye hain. Overall retail deposits, jisme CASA bhi included hai, 17.7% badh kar ₹1.22 lakh crore tak pahunch gaye. Isse bank ki total deposit base mein retail deposits ka share badh kar 73.67% ho gaya hai, jo ek saal pehle 68.88% tha. Dusri taraf, bulk deposits 6.9% kam hue hain aur CASA deposits 2.8% badh kar ₹48,751 crore rahe, jisse CASA ratio 29.31% par bana hua hai.
Liquidity aur Collections: Sab Fit Hai!
Bank ne liquidity bhi comfortable rakhi hai, LCR lagbhag 131.76% tha March 31, 2026 ko. Collection efficiency bhi kafi solid hai, March 2026 mein 98.9% rahi, jo December 2025 ke 98.1% se zyada hai.
Toh Share Kaha Gaya? (Market Reaction)
Itne acche numbers hone ke bawajood, Bandhan Bank ke shares Friday, April 4 ko 1.27% gir kar ₹145.8 par band hue. Saal-dar-saal (YTD) ab tak stock 1.12% hi badha hai. Markets kabhi kabhi expectations ke hisaab se react karte hain, shayad investors kuch aur expect kar rahe the ya phir overall market sentiment affect kar raha tha.