Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
5.93%
Net Profit Growth (5y)
-7.78%
Advance to Deposit
93.61%
Capital Adequacy Ratio (Tier 1)
17.40%
Gross NPA (latest)
3.15%
Gross NPA (avg)
5.27%
Coverage Ratio (avg)
72.51%
Cost to Income (avg)
46.13%
Net Interest Margin (avg)
7.07%
Operating Profit to Assets (avg)
8.42%
ROA (avg)
1.80%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Price to Book Value
1.10
PEG Ratio
NA
Dividend Yield
0.87%
ROE (Latest)
5.36%
ROA (Latest)
0.64%
Net NPA to Book Value
5.59
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend18What is working for the Company
PAT(Q)
At Rs 501.67 cr has Grown at 64.0% (vs previous 4Q average
GROSS NPA(Q)
Lowest at 3.15%
NII(Q)
Highest at Rs 2,920.58 cr
INTEREST EARNED(Q)
Highest at Rs 5,630.55 cr
PBT LESS OI(Q)
Highest at Rs 71.69 cr.
NET NPA(Q)
Lowest at 0.93%
-2What is not working for the Company
NON-OPERATING INCOME(Q)
is 89.39 % of Profit Before Tax (PBT
Loading Valuation Snapshot...
Here's what is working for Bandhan Bank
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 71.69 cr has Grown at 128.7% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs -250.05 CrMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 501.67 cr has Grown at 64.0% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 305.89 CrMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Gross NPA - Quarterly
Lowest at 3.15%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Gross NPA (%)
Net Interest Income (Quarterly)
Highest at Rs 2,920.58 cr
in the last five quartersMOJO Watch
The bank's income from core business is increasing
Net Interest Income (Rs Cr)
Interest Earned - Quarterly
Highest at Rs 5,630.55 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Interest Earned (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 71.69 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Net NPA - Quarterly
Lowest at 0.93%
in the last five quartersMOJO Watch
Proportion of stressed loans given by the bank are falling
Net NPA (%)
Here's what is not working for Bandhan Bank
Non Operating Income - Quarterly
is 89.39 % of Profit Before Tax (PBT)
MOJO Watch
The company's income from non business activities is high; which is not a sustainable business model
Non Operating Income to PBT
