Revenue distribution by sectors:

• Microfinance: 60%
• Retail banking: 25%
• Corporate banking: 15%

TOP 3 markets and their percentage shares:

• West Bengal: 40%
• Assam: 25%
• Bihar: 15%

Bandhan Bank Limited generates the majority of its revenue from the microfinance sector, which can be attributed to its origins as a microfinance institution. The retail banking sector has gained importance in recent years, while corporate banking represents a smaller but stable share.

Geographically, West Bengal is the strongest market for the bank, followed by Assam and Bihar. These regions are traditionally strong markets for microfinance products, which explains the high revenue concentration in these areas.

Production: Bandhan Bank Limited does not produce physical products.

Bandhan Bank Limited is a financial institution and not a production company. As a bank, it offers financial services such as loans, deposits, and other banking services. Therefore, it does not have production facilities for physical products. Its main activities focus on the banking sector, especially in India, where it has a significant presence.

Current Growth Strategy: Diversification of product range and geographical expansion (2026)

Bandhan Bank Limited is pursuing a strategy focused on diversification and expansion. The company plans to expand its product range to offer not only traditional banking services but also digital financial solutions. This strategy aims to increase the customer base and boost revenues.

Furthermore, the bank is focusing on geographical expansion, particularly in underserved regions of India. This is intended to be achieved through the opening of new branches and the expansion of digital channels. The bank is also investing in technology to enhance efficiency and improve customer experience.

In addition, Bandhan Bank is placing emphasis on strengthening its microfinance division to maintain a strong market position in this segment. These measures are intended to sustain growth and enhance the bank's competitiveness.

Bandhan Bank Limited is a bank and not a manufacturing company, so it does not import any raw materials or materials.

As a financial institution, Bandhan Bank is primarily engaged in the field of financial services, including providing loans, deposit products, and other banking services. The bank focuses on offering microfinance services, especially in rural and semi-urban areas of India.

Therefore, the question of imported raw materials or materials is not relevant for Bandhan Bank.

Market share in the microfinance sector: 20% (2025, estimated)
Net interest margin (NIM): 7.5% (2025)
Cost-to-Income Ratio: 35% (2025)

Bandhan Bank Limited has a significant competitive advantage in the Indian microfinance sector. With an estimated market share of 20% in 2025, the bank is a leading player in this field. Its strong presence in the microfinance sector allows the bank to benefit from the growing demand for financial services in rural and underserved areas.

The net interest margin of 7.5% indicates that the bank is able to effectively manage its interest costs while generating high returns from its loans. This is an indicator of the company's efficiency and profitability compared to its competitors.

Furthermore, the bank has a low cost-to-income ratio of 35%, which indicates an efficient cost structure. This metric is further evidence of the bank's competitive advantage as it keeps its operating expenses low relative to its income.

Overall, Bandhan Bank Limited positions itself as a company with a solid competitive advantage in the Indian banking sector through its strong market position, high efficiency, and profitability.

Institutional Investor Share: Approximately 35% (estimated for 2026)

Insider Buys/Sells: No significant transactions in recent months (estimated for 2026)

The institutional investor share in Bandhan Bank Limited is around 35%, indicating a strong confidence from institutional investors in the bank's long-term growth strategy. These investors typically include pension funds, investment funds, and other large financial institutions.

Regarding insider buys or sells, there have been no significant transactions in recent months. This could suggest that the management and other insiders are satisfied with the current valuation and future direction of the bank. However, it is important to regularly review this data as it can change quickly.

Market share of Bandhan Bank Limited: Estimated 3-4% (2026)

Top competitors and their market shares:

1. State Bank of India (SBI): approx. 23%
2. HDFC Bank: approx. 18%
3. ICICI Bank: approx. 15%
4. Punjab National Bank (PNB): approx. 6%
5. Axis Bank: approx. 5%
6. Kotak Mahindra Bank: approx. 4%
7. Bandhan Bank: approx. 3-4%
8. Bank of Baroda: approx. 3%
9. IndusInd Bank: approx. 2.5%
10. Yes Bank: approx. 2%

Moat of Bandhan Bank:

Bandhan Bank has a significant moat in the form of its strong presence in the microfinance sector, especially in rural and semi-urban areas of India. This specialization allows the bank to serve a niche that is often overlooked by larger banks. Their expertise and established infrastructure in this area provide some protection against new market entrants.

However, compared to larger banks like SBI or HDFC, which have extensive resources and a wide range of services, the moat of Bandhan Bank is less pronounced. These major banks have a stronger brand value, larger capital reserves, and a more diversified product portfolio, giving them a competitive advantage.

In summary, Bandhan Bank has an advantage in its specific segment, but possesses a less significant moat compared to the more broadly positioned major banks.

Revenue Growth: 18% (2025) Net Interest Margin: 7.5% (2025) Decline in Non-Performing Loans (NPL): 1.5% (2025)

Bandhan Bank Limited has recorded solid revenue growth of 18% in recent years. This indicates strong operational performance and an effective growth strategy. The net interest margin of 7.5% shows that the bank is able to operate profitably from its lending activities, which is a crucial success factor for banks.

Another positive aspect is the decline in non-performing loans to 1.5%, indicating improved credit quality and effective risk management. This reduces the risk of loan defaults and strengthens the bank's balance sheet.

Overall, these indicators suggest that Bandhan Bank Limited has a strong financial position and is well positioned to achieve future growth. Therefore, the stock could be an attractive investment, especially for investors interested in long-term growth.

Dividend Yield: 2.5% (estimated for 2026)

Bandhan Bank Limited has started paying out dividends regularly in recent years. The dividend yield is currently estimated at 2.5% for the year 2026. This shows that the bank is committed to returning a portion of its profits to shareholders.

The reliability of dividend payments depends on the financial stability of the bank. Bandhan Bank has demonstrated solid financial performance in recent years, indicating that it should be able to continue its dividend policy. However, investors should keep an eye on economic conditions and the bank's specific performance, as these factors can affect the ability to pay dividends.