Net NPA stood at 1.4% in Q1 FY26
FinTech BizNews Service
Mumbai, July 18, 2025: The Board of Directors of Bandhan Bank Limited approved the Bank’s financial results for the quarter ended June 30, 2025, at its meeting held in Kolkata on Friday, July 18, 2025. The statutory auditors have reviewed the financial statements for the quarter ended June 30, 2025.
FINANCIAL RESULTS
Financials for the quarter ended June 30, 2025
The Bank’s net revenue as of Q1 FY26 was Rs.3,483 crore as compared to Rs.3,533 crore in Q1
FY25, Rs. 3,456 crore in Q4 FY25
Net interest income (NII) as of Q1 FY26 stood at Rs.2,757 crore as against Rs.2,987 crore in Q1
FY25, Q4 FY25 NII at Rs. 2,756 crore
Net Interest Margin (NIM) for the quarter was 6.4%
Operating Profit was Rs.1,668 crore in Q1 FY26 compared to Rs.1,941 crore in Q1 FY25, Rs 1,571
crore in Q4 FY25
The provisions (other than tax) & contingencies charged to the Profit and Loss for Q1 FY26 were at
Rs. 1,147 crore compared to Rs. 523 crore in Q1 FY25. In Q4 FY25, provisions were at Rs. 1,260
crore
The profit after tax for Q1 FY26 stood at Rs.372 crore compared to Rs. 1,063 crore in Q1 FY25, Rs
318 crore in Q4 FY25
Deposits
As of June 30, 2025, total deposits stood at Rs.1.55 lakh crore as against Rs.1.33 lakh crore in the
previous year – a growth of 16% YoY
CASA Deposits stood at Rs.41,858 crore and CASA Ratio stood at 27.1%.
Retail Term Deposits at Rs. 63,661 crore, grew 34% YoY
Retail deposit (CASA + Retail TD) to total deposit ratio stands at 68%
Advances
As of June 30, 2025, Gross Advances stood at Rs.1.34 lakh crore as against Rs.1.26 lakh crore in the
previous year – a growth of 6% YoY
On a YoY basis, Retail book (other than housing) grew 78%, Wholesale Banking grew 32% and the
Housing book showed a growth of 15%. EEB Book shrunk by 15% during this period
Asset Quality
The collection efficiency for EEB loans stood at 97.6% for the quarter ended June 30, 2025.
The bank's Gross Non-Performing Assets (NPA) was 5.0% in Q1 FY26, Net NPA at 1.4% in Q1 FY26
Provision Coverage Ratio as of June 30, 2025, is 73.7%, including write-off PCR stands at 87.3%
Capital Adequacy
As of June 30, 2025, the Bank’s capital adequacy ratio, including profits, stood at 19.4% as against
a regulatory requirement of 11.5%.
Speaking on the Bank’s performance, MD & CEO Partha Pratim Sengupta said, “Bandhan Bank has
delivered a sequentially improving performance in Q1 FY26, marked by strong growth in deposits
and continued momentum in Retail & Wholesale banking. While the operating environment poses
certain challenges, our performance reflects the underlying resilience of our business and the
strength of our strategic direction. We remain focused on prudent risk management, operational
efficiency, and delivering long-term value for our customers and stakeholders.& Distribution Network
The Bank’s distribution network stands at nearly 6,350 outlets. The Bank's total customer base
stands at 3.14 crore customers. The Bank currently has more than 73,000 employees.
