Bandhan Bank Limited (BANDHANBNK) - Net Assets

Latest as of December 2025: Rs251.00 Billion INR ≈ $2.71 Billion USD

Based on the latest financial reports, Bandhan Bank Limited (BANDHANBNK) has net assets worth Rs251.00 Billion INR (≈ $2.71 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (Rs1.96 Trillion ≈ $21.21 Billion USD) and total liabilities (Rs1.71 Trillion ≈ $18.50 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check asset resilience ratio of Bandhan Bank Limited to evaluate the company's liquid asset resilience ratio.

Key Net Assets Metrics

Metric	Value
Current Net Assets	Rs251.00 Billion
% of Total Assets	12.8%
Annual Growth Rate	47.58%
5-Year Change	41.34%
10-Year Change	637.89%
Growth Volatility	163.77

Bandhan Bank Limited - Net Assets Trend (2015–2025)

This chart illustrates how Bandhan Bank Limited's net assets have evolved over time, based on quarterly financial data. Also explore BANDHANBNK total assets for the complete picture of this company's asset base.

Annual Net Assets for Bandhan Bank Limited (2015–2025)

The table below shows the annual net assets of Bandhan Bank Limited from 2015 to 2025. For live valuation and market cap data, see BANDHANBNK stock market capitalisation.

Year	Net Assets	Change
2025-03-31	Rs246.05 Billion ≈ $2.66 Billion	+13.86%
2024-03-31	Rs216.10 Billion ≈ $2.34 Billion	+10.34%
2023-03-31	Rs195.84 Billion ≈ $2.12 Billion	+12.67%
2022-03-31	Rs173.81 Billion ≈ $1.88 Billion	-0.16%
2021-03-31	Rs174.08 Billion ≈ $1.88 Billion	+14.56%
2020-03-31	Rs151.95 Billion ≈ $1.64 Billion	+35.65%
2019-03-31	Rs112.02 Billion ≈ $1.21 Billion	+19.40%
2018-03-31	Rs93.82 Billion ≈ $1.01 Billion	+111.00%
2017-03-31	Rs44.46 Billion ≈ $480.87 Million	+33.35%
2016-03-31	Rs33.35 Billion ≈ $360.61 Million	+564.74%
2015-03-31	Rs5.02 Billion ≈ $54.25 Million	--

Equity Component Analysis

This analysis shows how different components contribute to Bandhan Bank Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 1775509.5% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (March 2025)

Component	Amount	Percentage
Retained Earnings	Rs102.28 Billion	41.57%
Common Stock	Rs16.11 Billion	6.55%
Other Comprehensive Income	Rs229.94 Billion	93.45%
Total Equity	Rs246.05 Billion	100.00%

Bandhan Bank Limited Competitors by Market Cap

The table below lists competitors of Bandhan Bank Limited ranked by their market capitalization.

Company	Market Cap
Topaz Energy Corp TO:TPZ	$3.48 Billion
International Seaways Inc NYSE:INSW	$3.48 Billion
KINGS.CLOUD HLD.SP.ADR/15 F:KS7	$3.48 Billion
Incitec Pivot Ltd AU:IPL	$3.48 Billion
Xiamen Amoytop Biotech Co Ltd SHG:688278	$3.48 Billion
VEON Ltd NASDAQ:VEON	$3.48 Billion
Clearway Energy Inc Class C NYSE:CWEN	$3.48 Billion
Shandong Humon Smelting Co Ltd SHE:002237	$3.48 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in Bandhan Bank Limited's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 216,096,380,000 to 246,050,069,000, a change of 29,953,689,000 (13.9%).
Net income of 27,452,955,000 contributed positively to equity growth.
Dividend payments of 2,416,455,000 reduced retained earnings.
Share repurchases of 298,000 reduced equity.
New share issuances of 298,000 increased equity.
Other comprehensive income increased equity by 170,955,526,000.
Other factors decreased equity by 166,038,337,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	Rs27.45 Billion	+11.16%
Dividends Paid	Rs2.42 Billion	-0.98%
Share Repurchases	Rs298.00K	-0.0%
Share Issuances	Rs298.00K	+0.0%
Other Comprehensive Income	Rs170.96 Billion	+69.48%
Other Changes	Rs-166.04 Billion	-67.48%
Total Change	Rs-	13.86%

Book Value vs Market Value Analysis

This analysis compares Bandhan Bank Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.31x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 43.60x to 1.31x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
2015-03-31	Rs4.58	Rs199.72	x
2016-03-31	Rs30.45	Rs199.72	x
2017-03-31	Rs40.60	Rs199.72	x
2018-03-31	Rs85.45	Rs199.72	x
2019-03-31	Rs91.90	Rs199.72	x
2020-03-31	Rs94.30	Rs199.72	x
2021-03-31	Rs108.05	Rs199.72	x
2022-03-31	Rs107.88	Rs199.72	x
2023-03-31	Rs121.56	Rs199.72	x
2024-03-31	Rs134.13	Rs199.72	x
2025-03-31	Rs152.72	Rs199.72	x

Capital Efficiency Dashboard

This dashboard shows how efficiently Bandhan Bank Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 11.16%
The company shows good efficiency in utilizing shareholder equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 11.02%
• Asset Turnover: 0.13x
• Equity Multiplier: 7.78x
Recent ROE (11.16%) is below the historical average (11.92%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
2015	0.11%	7.24%	0.02x	1.05x	Rs-495.87 Million
2016	8.25%	15.90%	0.09x	5.92x	Rs-582.03 Million
2017	25.01%	25.75%	0.14x	6.80x	Rs6.67 Billion
2018	14.34%	24.63%	0.12x	4.72x	Rs4.07 Billion
2019	17.42%	25.20%	0.14x	5.04x	Rs8.31 Billion
2020	19.90%	24.30%	0.14x	6.04x	Rs15.04 Billion
2021	12.67%	15.16%	0.13x	6.61x	Rs4.65 Billion
2022	0.72%	0.75%	0.12x	7.99x	Rs-16.12 Billion
2023	11.21%	11.95%	0.12x	7.95x	Rs2.36 Billion
2024	10.32%	10.60%	0.12x	8.23x	Rs685.99 Million
2025	11.16%	11.02%	0.13x	7.78x	Rs2.85 Billion

Industry Comparison

This section compares Bandhan Bank Limited's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $96,262,296,222
Average return on equity (ROE) among peers: 6.34%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Bandhan Bank Limited (BANDHANBNK)	Rs251.00 Billion	0.11%	6.81x	$3.48 Billion
AU Small Finance Bank Limited (AUBANK)	$62.75 Billion	18.66%	7.22x	$8.21 Billion
Bank of Baroda (BANKBARODA)	$133.71 Billion	17.83%	16.32x	$14.73 Billion
Bank of India (BANKINDIA)	$245.44 Billion	28.81%	17.60x	$6.89 Billion
Canara Bank (CANBK)	$254.09 Billion	11.69%	15.50x	$13.21 Billion
Capital Small Finance Bank Limited (CAPITALSFB)	$1.15 Billion	11.96%	16.87x	$136.92 Million
Central Bank of India (CENTRALBK)	$110.28 Billion	11.92%	18.04x	$3.57 Billion
CSB Bank Limited (CSBBANK)	$8.88 Billion	-5.98%	16.74x	$699.76 Million
City Union Bank Limited (CUB)	$48.41 Billion	14.11%	8.35x	$2.17 Billion
DCB Bank Limited (DCBBANK)	$1.64 Billion	-51.93%	21.79x	$649.92 Million

About Bandhan Bank Limited

NSE:BANDHANBNK India Banks - Regional

Market Cap

$3.48 Billion

Rs321.74 Billion INR

Market Cap Rank

#4519 Global

#192 in India

Share Price

Rs199.72

Change (1 day)

+0.72%

52-Week Range

Rs135.47 - Rs199.72

All Time High

Rs713.01