Bandhan Bank has announced its financial performance for the quarter (Q4) and the full financial year ended March 31, 2026. The Bank reported a significant 68% year-on-year surge in Profit After Tax (PAT) to ₹5.3 billion for the quarter. With a gross advance portfolio of ₹1,542.3 billion and a capital adequacy ratio (CRAR) of 18.0%, the Bank continues to maintain a strong liquidity position while focusing on portfolio diversification and digital transformation.
Financial Performance Overview
For the fourth quarter of the financial year 2026, Bandhan Bank achieved a Profit After Tax (PAT) of ₹5.3 billion, marking a substantial growth of 68.0% year-on-year and 159.2% quarter-on-quarter. The Bank’s Total Revenue (Net) stood at ₹35.7 billion for the quarter. Gross Advances reached ₹1,542.3 billion, representing a 12.6% increase year-on-year, while Total Deposits grew to ₹1,663.4 billion, a 10.0% year-on-year growth.
Strategic Asset and Liability Management
The Bank continues to successfully execute its strategy of portfolio diversification. The Secured Book now accounts for 56.2% of total advances. Furthermore, liability resilience is bolstered by a strong focus on retail deposits, which now constitute 73.7% of total deposits. The Bank maintains a solid capital base with a CRAR of 18.0% and CET 1 ratio of 17.3%, ensuring stability for future expansion.
Asset Quality Improvements
Asset quality showed significant improvement, with the GNPA ratio declining by 144 bps year-on-year to 3.3%, and the NNPA ratio improving to 1.0%. The Provision Coverage Ratio (PCR) stood at 71.1%, reflecting a prudent approach to risk management. The Bank’s Credit Cost also saw a notable reduction, dropping by 195 bps year-on-year to 2.0%.
Digital Growth and Operational Reach
Bandhan Bank’s digital strategy continues to gain traction, with 98% of retail transactions now being conducted digitally and 93% of savings accounts opened through digital channels. The Bank maintains an extensive footprint with 1,955 branches and 4,400 Emerging Entrepreneurs Business (EEB) Banking Units, serving a total customer base of 31.8 million. Productivity improvements were also evident, with a 10.7% year-on-year increase in business per employee, supported by 654,000 learning hours for workforce upskilling.
Source: BSE
