Bandhan Bank Ltd

Operating profit was Rs 1,445 crore in Q3 FY26 compared to Rs 1,310 crore in Q2 FY26, up 10% . The provisions (other than tax) & contingencies charged to the Profit and Loss for Q3 FY26 were at Rs 1,155 crore, flat QoQ Net interest income (NII) as of Q3 FY26, stood at Rs 2,688 crore compared to Rs 2,589 crore as of Q2 FY26, representing a growth of 3.8% QoQ. Net Interest Margin (NIM) for the quarter was 5.9% in Q3 FY26, compared to 5.8% in Q2 FY26 On asset quality front, gross non-performing assets (GNPA) reduced by 169 bps to 3.3% in Q3 FY26 from 5% in Q2 FY26. Net NPA fell by 38 bps to 1% in Q3 FY26 from 1.4% in Q2 FY26. On a year on year (YoY) basis, the company's standalone net profit and total income declined 51.79% and 7.11%, respectively in Q3 FY26. As of December 31, 2025, total deposits stood at Rs 1.57 lakh crore, compared to Rs 1.41 lakh crore in the previous year, reflecting a year-on-year growth of 11%. CASA Deposits stood at Rs 42,730 crore and CASA Ratio stood at 27%, CASA + Retail TD to total deposit ratio stands above 72%. Gross advances jumped 10% to Rs 1.45 lakh crore as of 31st December 2025 compared with Rs 1.32 lakh crore as of 31st December 2024. On a YoY basis, Retail book (other than housing) grew 57%, Wholesale Banking grew 32%, and the Housing book showed a growth of 10% (excluding IBPC). The collection efficiency for EEB loans was higher at 98.2% for Q3 FY26. Provision Coverage Ratio (Including Technical Write-offs) as of December 31, 2025, is 84.3%. MD & CEO, Partha Pratim Sengupta said, Bandhan Bank's third quarter performance over the last quarters reflects the strengthening fundamentals and steady turn around. In Q4, we are set to accelerate multiple digital initiatives aimed at enhancing customer experience, operational efficiency, and scalability. We remain fully committed to building a strong, more resilient and more diversified bank. These efforts position us well for sustainable and profitable growth going forward.' Bandhan Bank is a private sector bank. The bank's distribution network spans more than 6,350 outlets. The Bank currently has more than 74,500 employees.Powered by Capital Market - Live

Net profit of Bandhan Bank declined 51.79% to Rs 205.59 crore in the quarter ended December 2025 as against Rs 426.49 crore during the previous quarter ended December 2024. Total Operating Income declined 0.87% to Rs 5431.24 crore in the quarter ended December 2025 as against Rs 5478.73 crore during the previous quarter ended December 2024. ParticularsQuarter EndedDec. 2025Dec. 2024% Var. Total Operating Income5431.245478.73 -1 OPM %43.1340.12 - PBDT290.38645.35 -55 PBT290.38645.35 -55 NP205.59426.49 -52 Powered by Capital Market - Live

As of December 31, 2025, total deposits stood at Rs 1.57 lakh crore, compared to Rs 1.41 lakh crore in the previous year, reflecting a year-on-year growth of 11%. CASA Deposits stood at Rs 42,730 crore and CASA Ratio stood at 27%, CASA + Retail TD to total deposit ratio stands above 72%. Gross advances jumped 10% to Rs 1.45 lakh crore as of 31st December 2025 compared with Rs 1.32 lakh crore as of 31st December 2024. On a YoY basis, Retail book (other than housing) grew 57%, Wholesale Banking grew 32%, and the Housing book showed a growth of 10% (excluding IBPC). The collection efficiency for EEB loans was higher at 98.2% for Q3 FY26. Provision Coverage Ratio (Including Technical Write-offs) as of December 31, 2025, is 84.3%. On a quarter on quarter (QoQ) basis the bank's standalone net profit and total income jumped 83.9% and 7.8% , respectively in Q3 FY26. Operating profit was Rs 1,445 crore in Q3 FY26 compared to Rs 1,310 crore in Q2 FY26, up 10% . The provisions (other than tax) & contingencies charged to the Profit and Loss for Q3 FY26 were at Rs 1,155 crore, flat QoQ Net interest income (NII) as of Q3 FY26, stood at Rs 2,688 crore compared to Rs 2,589 crore as of Q2 FY26, representing a growth of 3.8% QoQ. Net Interest Margin (NIM) for the quarter was 5.9% in Q3 FY26, compared to 5.8% in Q2 FY26 On asset quality front, gross non-performing assets (GNPA) reduced by 169 bps to 3.3% in Q3 FY26 from 5% in Q2 FY26. Net NPA fell by 38 bps to 1% in Q3 FY26 from 1.4% in Q2 FY26. MD & CEO, Partha Pratim Sengupta said, Bandhan Bank's third quarter performance over the last quarters reflects the strengthening fundamentals and steady turn around. In Q4, we are set to accelerate multiple digital initiatives aimed at enhancing customer experience, operational efficiency, and scalability. We remain fully committed to building a strong, more resilient and more diversified bank. These efforts position us well for sustainable and profitable growth going forward.' Bandhan Bank is a private sector bank. The Bank's distribution network spans more than 6,350 outlets. The Bank currently has more than 74,500 employees. The scrip jumped 3.57% to settle at Rs 142.65 on the BSE.Powered by Capital Market - Live

Bandhan Bank will hold a meeting of the Board of Directors of the Company on 22 January 2026.Powered by Capital Market - Live

The bank's total deposits declined by 0.9% compared with the Rs 158,075 crore reported in the quarter ended 30 September 2025. Bulk deposits stood at Rs 43,303 crore in Q3 FY26, down 2% YoY and 5.8% QoQ. The retail-to-total deposits ratio rose to 72.37% in the quarter ended 31 December 2025, compared to 68.65% recorded in the quarter ended 31 December 2024. The bank's CASA deposits stood at Rs 42,730 crore in Q3 FY26, down 4.5% YoY and 3.3% QoQ. The CASA ratio declined to 27.26% in the quarter ended 31 December 2025, compared to 31.73% in the quarter ended 31 December 2024 and 27.97% in the quarter ended September 2025. Loans and advances (on-book + PTC) increased by 10% to Rs 145,227 crore in Q3 FY26, compared to Rs 132,019 crore posted in the quarter ended 31 December 2024. On a QoQ basis, loans and advances (on-book + PTC) advanced 3.7% from Rs 140,041 crore. The bank's LCR as of 31 December 2025 stood approximately at 149.14%. Collection efficiency for the month of December 2025 was approximately 98.1%, compared with 97.8% in September 2025. The collection efficiency of the emerging entrepreneurs' business (EEB) (micro) segment was 98%, and that of the non-EEB segment was 98.3% in December 2025. Bandhan Bank is a private sector bank. Its distribution network spans nearly 6,350 outlets. It added 9 lakh customers during the quarter, and current customers stand at over 3.23 crore customers. The bank currently has over 73,500 employees. The bank's net profit plunged 88.1% year-on-year to Rs 112 crore in Q2 FY26 from Rs 937 crore in Q2 FY25, primarily due to a steep rise in provisions. Net total income declined 11.5% YoY to Rs 3,135 crore from Rs 3,543 crore in the corresponding quarter last year.Powered by Capital Market - Live

The bank said the reappointment of Kesh as Executive Director and Chief Operating Officer, and as Key Managerial Personnel, will be subject to approval by the shareholders at the ensuing general meeting. He will be liable to retire by rotation. The bank clarified that Kesh is not related to any of the other directors of the bank. It also stated that he has not been debarred or disqualified from holding the office of director by any order of the Securities and Exchange Board of India or any other regulatory authority. Bandhan Bank is a private sector bank. Its distribution network spans nearly 6,350 outlets. It added 9 lakh customers during the quarter, and current customers stand at over 3.23 crore customers. The bank currently has over 73,500 employees. The bank's net profit plunged 88.1% year-on-year to Rs 112 crore in Q2 FY26 from Rs 937 crore in Q2 FY25, primarily due to a steep rise in provisions. Net total income declined 11.5% YoY to Rs 3,135 crore from Rs 3,543 crore in the corresponding quarter last year. The scrip rose 0.93% to Rs 146.05 on the BSE. Powered by Capital Market - Live

Bandhan Bank Ltd is up for a fifth straight session in a row. The stock is quoting at Rs 150.29, up 0.48% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is down around 0.14% on the day, quoting at 26010.15. The Sensex is at 85166.94, down 0.12%. Bandhan Bank Ltd has dropped around 2.9% in last one month. Meanwhile, Nifty Private Bank index of which Bandhan Bank Ltd is a constituent, has dropped around 1.37% in last one month and is currently quoting at 28802.35, up 0.01% on the day. The volume in the stock stood at 44.85 lakh shares today, compared to the daily average of 69.09 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 150.59, up 0.47% on the day. Bandhan Bank Ltd is down 11.51% in last one year as compared to a 5.44% spurt in NIFTY and a 10.91% spurt in the Nifty Private Bank index.The PE of the stock is 19.63 based on TTM earnings ending September 25.Powered by Capital Market - Live

Bandhan Bank Ltd gained for a third straight session today. The stock is quoting at Rs 143.42, up 1.47% on the day as on 12:49 IST on the NSE. The benchmark NIFTY is up around 0.53% on the day, quoting at 25894.8. The Sensex is at 84792.13, up 0.48%. Bandhan Bank Ltd has slipped around 7.98% in last one month. Meanwhile, Nifty Private Bank index of which Bandhan Bank Ltd is a constituent, has slipped around 2.27% in last one month and is currently quoting at 28475.1, up 1.02% on the day. The volume in the stock stood at 24.86 lakh shares today, compared to the daily average of 64.91 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 143.71, up 1.04% on the day. Bandhan Bank Ltd is down 15.89% in last one year as compared to a 5.48% spurt in NIFTY and a 11.73% spurt in the Nifty Private Bank index.The PE of the stock is 18.54 based on TTM earnings ending September 25.Powered by Capital Market - Live

Bandhan Bank Ltd fell for a fifth straight session today. The stock is quoting at Rs 142.59, down 2.42% on the day as on 13:19 IST on the NSE. The benchmark NIFTY is up around 0.6% on the day, quoting at 26189.8. The Sensex is at 85715.21, up 0.53%.Bandhan Bank Ltd has eased around 6.76% in last one month.Meanwhile, Nifty Private Bank index of which Bandhan Bank Ltd is a constituent, has increased around 3.85% in last one month and is currently quoting at 28720.6, up 0.56% on the day. The volume in the stock stood at 62.61 lakh shares today, compared to the daily average of 67.65 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 144.5, down 1.57% on the day. Bandhan Bank Ltd tumbled 19.11% in last one year as compared to a 6.13% rally in NIFTY and a 11.27% spurt in the Nifty Private Bank index.The PE of the stock is 19.17 based on TTM earnings ending September 25.Powered by Capital Market - Live

The said loan portfolios belong to emerging entrepreneurs business (EEB), including group loans and small business & agri loans, and aspiring business group (ABG) of the bank. The bank shall go for bidding as per Swiss Challenge method for sale of NPA portfolio with more than 180 days past due, having principal outstanding amounting to Rs 3,212.17 crore, as on 30 September 2025. Further, the bank shall go for auction route for sale of written-off loan portfolio, having principal outstanding amounting to Rs 3,719.14 crore, as on 30 September 2025. Bandhan Bank is a private sector bank. Its distribution network spans nearly 6,350 outlets. It added 9 lakh customers during the quarter and current customers stand at over 3.23 crore customers. The bank currently has over 73,500 employees. The bank's net profit plunged 88.1% year-on-year to Rs 112 crore in Q2 FY26 from Rs 937 crore in Q2 FY25, primarily due to a steep rise in provisions. Net total income declined 11.5% YoY to Rs 3,135 crore from Rs 3,543 crore in the corresponding quarter last year. The scrip rose 0.33% to currently trade at Rs 150.15 on the BSE. Powered by Capital Market - Live