Bandhan Bank Q4: Net profit zooms 478% YoY to ₹318 crore, thanks to lower provisions; check dividend details

The surge in profit was driven by lower provisions despite a decline in net interest income (NII). NII is the difference between the interest earned and the interest expended.

NII is one of the key metrics to assess a banking or financial entity's financial performance.

The lender's net revenue in Q4 FY25 stood at ₹3,456 crore, marginally lower than the ₹3,560 crore reported in the corresponding quarter of the previous year.

Net interest income (NII) dropped 4% YoY to ₹2,756 crore, while the net interest margin (NIM) contracted to 6.7%.

For the full financial year FY25, the bank's profit after tax (PAT) rose 23% to ₹2,745 crore from ₹2,230 crore logged in FY24.

For FY25, Bandhan Bank's net revenue grew 16% YoY to ₹14,458 crore, while NII rose 11% to ₹11,491 crore. Operating profit was up 11% at ₹7,389 crore.

The numbers were announced post-market hours on Wednesday. The stock ended at ₹165.65 on the BSE, down 1.31%.

The lender's board has also recommended a dividend of ₹1.50 per equity share having a face value of ₹10 each (i.e., 15%), from the profits of the bank for the financial year ended March 31, 2025, for the approval of shareholders of the bank at the ensuing annual general meeting ('AGM '). The dividend on equity shares will be paid/dispatched after the same is approved by the Shareholders at the ensuing AGM, the bank said.

Bandhan Bank Ltd. is a banking and financial services company, headquartered in Kolkata, West Bengal. Shares of Bandhan Bank were listed on stock exchanges in 2018.