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Risk Disclosures on Derivatives

>9 out of 10 individual traders in equity Futures and Options Segment, incurred net losses.
>On an average, loss makers registered net trading loss close to ₹ 50,000.
>Over and above the net trading losses incurred, loss makers expended an additional 28% of net trading losses as transaction costs.
>Those making net trading profits, incurred between 15% to 50% of such profits as transaction cost.

Source:

1. SEBI study dated January 25, 2023 on “Analysis of Profit and Loss of Individual Traders dealing in equity Futures and Options (F&O) Segment”, wherein Aggregate Level findings are based on annual Profit/Loss incurred by individual traders in equity F&O during FY 2021-22.

BANDHAN BANK LTD.

NSE : BANDHANBNKBSE : 541153ISIN CODE : INE545U01014Industry : Bank - PrivateHouse : Bandhan

BSE173.656.65 (+3.98 %)

PREV CLOSE ( ) 167.00

OPEN PRICE ( ) 166.95

BID PRICE (QTY) 0.00 (0)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 171605

TODAY'S LOW / HIGH ( )165.50 174.40

52 WK LOW / HIGH ( )128.15 215.45

NSE174.016.86 (+4.1 %)

PREV CLOSE( ) 167.15

OPEN PRICE ( ) 167.32

BID PRICE (QTY) 174.01 (25)

OFFER PRICE (QTY) 0.00 (0)

VOLUME 7951208

TODAY'S LOW / HIGH( ) 165.54 174.42

52 WK LOW / HIGH ( )128.16 215.44

Select year

Particulars

Mar 2025

Mar 2024

Mar 2023

Mar 2022

Mar 2021

Operational & Financial Ratios

Earnings Per Share (Rs)

17.04

13.84

13.62

0.78

13.69

DPS(Rs)

1.50

0.00

1.00

Book NAV/Share(Rs)

151.21

133.87

121.50

107.87

108.09

Margin Ratios

Yield on Advances

16.63

15.58

15.18

14.76

15.35

Yield on Investments

Cost of Liabilities

6.44

5.64

5.00

4.44

5.23

NIM

6.30

6.19

6.37

6.58

6.69

Interest Spread

10.19

9.94

10.18

10.32

10.12

Performance Ratios

ROA(%)

1.49

1.34

1.49

0.10

2.13

ROE(%)

11.96

10.84

11.88

0.72

13.53

ROCE(%)

12.34

10.31

10.01

2.70

11.97

Efficiency Ratios

Cost Income Ratio

48.89

46.84

39.54

30.54

29.39

Core Cost Income Ratio

50.36

48.43

39.18

31.29

30.08

Operating Costs to Assets

3.69

3.29

2.97

2.54

2.45

Capitalisation Ratios

Tier 1 ratio

Tier 2 ratio

CAR

Valuation Parameters

PER(x)

8.58

13.01

14.36

393.60

24.74

PCE(x)

7.78

11.76

13.49

209.96

23.63

Price/Book(x)

0.97

1.35

1.61

2.85

3.13

Yield(%)

1.03

0.83

0.77

0.00

0.30

EV/Net Sales(x)

1.58

2.41

3.54

5.01

5.71

EV/Core EBITDA(x)

4.69

6.84

7.93

8.67

10.57

EV/EBIT(x)

2.46

3.95

5.90

13.14

9.04

EV/CE(x)

0.97

1.19

1.27

1.86

2.08

M Cap / Sales

1.07

1.54

1.98

3.57

4.36

Growth Ratio

Core Operating Income Growth

11.36

11.44

6.26

15.22

19.60

Operating Profit Growth

Net Profit Growth

23.13

1.59

1644.63

-94.30

-27.06

BVPS Growth

12.95

10.17

12.63

-0.20

0.00

Advances Growth

8.96

15.64

11.47

15.15

22.49

EPS Growth(%)

23.13

1.58

1644.46

-94.30

-27.08

Liquidity Ratios

Loans/Deposits(x)

Cash / Deposits(x)

0.05

0.11

0.07

0.05

0.04

Investment / Deposits(x)

0.27

0.22

0.30

0.32

IncLoan / Deposits(x)

7.37

12.11

22.87

20.68

21.75

Credit/Deposits(%)

Total Debt/Mcap(x)

Net NPAs (funded) to Net Advances (%)

1.28

1.11

1.17

1.66

3.51