Bandhan Bank’s Financial Performance Analyzed

Bandhan Bank’s recent financial results show a concerning trend. Their total operating income decreased by a small amount, and their profits significantly dropped during the most recent quarter. This analysis breaks down the key changes and highlights the areas needing attention.

Key Points

• Operating income fell by 0.87%, impacting overall revenue.
• Net profit decreased sharply – 51.79% compared to last quarter.
• Profit Before Tax (PBT) also saw a 55% reduction.
• Net Profit (NP) decreased by 52% to Rs 205.59 crore.
• The Operating Profit Margin (OPM) decreased slightly to 43.13%.
• These figures require immediate strategic review and corrective action.

Detailed Breakdown of the Quarter Ended December 2025

During the quarter that ended in December 2025, Bandhan Bank’s total operating income came to Rs 5431.24 crore. This is slightly lower than the Rs 5478.73 crore reported in the previous quarter (December 2024). This shows a small decline in the bank’s overall revenue generation.

The bank’s profit before tax (PBDT) also decreased by 55% to Rs 290.38 crore. This drop in PBDT directly affected the final profit figure.

Ultimately, the net profit of Rs 205.59 crore represents a 51.79% reduction compared to the previous quarter’s net profit of Rs 426.49 crore. This indicates a serious problem with the bank’s profitability.

Profitability Metrics

The Operating Profit Margin (OPM) offers a perspective on efficiency. It decreased to 43.13% from 40.12% in the prior quarter, reflecting potential pressure on operating costs. This shows a need to control costs effectively.

The figures clearly demonstrate a need for Bandhan Bank to address its declining financial performance swiftly. Strategic adjustments are essential to regain profitability and maintain stability.

Bandhan Bank’s performance warrants immediate investigation and decisive action to stabilize financial outcomes.