Bandhan Bank’s Financial Performance Analyzed
Bandhan Bank had a mixed quarter. Their profits dropped by a lot – 51.79% – to Rs 205.99 crore. This happened because their overall income also went down by 7.11% to Rs 6,122.24 crore. However, there were some good signs too, like a rise in customer deposits and loan amounts.
Key Points
- Profit fell significantly, but showed signs of recovery.
- Customer deposits increased by 11% year-on-year.
- Retail loans grew strongly, particularly outside housing.
- Loan approvals were efficient, with high recovery rates.
- The bank’s operating profit increased by 10% quarter-on-quarter.
- Asset quality improved, with lower bad loans.
Financial Highlights
As of December 31, 2025, Bandhan Bank had a total of Rs 1.57 lakh crore in customer deposits. Importantly, a large portion of these deposits – Rs 42,730 crore – are “CASA” deposits, meaning customers easily access them. This is a good sign for the bank.
The bank gave out more loans, increasing gross advances by 10% to Rs 1.45 lakh crore. Different types of loans grew at different rates: Retail loans (excluding home loans) increased by 57%, while wholesale banking grew by 32%, and housing loans by 10%. They were also very successful at getting people to pay back their loans, particularly for smaller loans.
Bandhan Bank managed its money well. They set aside enough money to cover potential losses (Provision Coverage Ratio was 84.3%) and reduced bad loans. Their gross non-performing assets (GNPA) decreased by 169 basis points, and net non-performing assets (NPA) fell by 38 basis points.
The bank’s profits jumped 83.9% and income by 7.8% quarter on quarter. They increased operating profit by 10% and improved their net interest margin (NIM) to 5.9%. This means the bank is making more money from the loans it gives out.
Partha Pratim Sengupta, the CEO, said Bandhan Bank is becoming stronger and more successful. The bank has a large network of over 6,350 branches and employs more than 74,500 people. The bank’s stock price went up 3.57%.
Stronger financials and smart strategies will drive Bandhan Bank’s continued success.
