Bandhan Bank announced its unaudited financial results for the quarter and nine months ended December 31, 2025. The bank reported Gross Advances of ₹1,452.2 bn, a 10.0% year-over-year increase, and total deposits reached ₹1,567.2 bn, up 11.2% year-over-year. The bank’s CASA ratio stood at 27.3%. The Earnings Update Presentation is now available on the bank’s website.
Key Financial Highlights for Q3FY26
Bandhan Bank reported the following key financial figures for Q3FY26:
- Gross Advances: ₹1,452.2 bn (up 10.0% YoY)
- Total Deposits: ₹1,567.2 bn (up 11.2% YoY)
- Share of Non-East: 62.4%
- CASA Ratio: 27.3%
- Retail Deposits: ₹1,134.2 bn (up 17.2% YoY)
- GNPA Ratio: 3.3%
- NNPA Ratio: 1.0%
- Net Interest Income (NII): ₹26.9 bn
- Net Profit After Tax (PAT): ₹2.1 bn
Strategic & Operational Updates
The bank continues to focus on several key strategic areas:
- Strong Outreach Capabilities: The bank has expanded its reach with 1,831 branches across 35 states and union territories and 4,536 banking units.
- Customer Centricity & Digitization: 98% of retail transactions are now digital.
- Capital & Liquidity: The bank maintains a strong capital adequacy with a CRAR of 17.8%.
Segmental Performance
The bank’s loan book is diversified across various segments:
- Emerging Entrepreneurs Business (EEB): ₹500.8 bn, representing approximately 34.5% of the total book.
- Housing & Retail: ₹475.1 bn, contributing roughly 32.7%.
- Wholesale Banking: ₹456.3 bn, comprising about 31.4%.
Digital Initiatives
Bandhan Bank is actively promoting digital banking:
- 89% of savings accounts were opened digitally.
- Digital payment integrations and security enhancements continue to be a priority.
Asset Quality
- The bank is focused on managing asset quality, with GNPA ratio at 3.3% and NNPA ratio at 1.0%.
Source: BSE
