Nine Monthly Results Results Snapshot
Figures in Cr
Standalone Nine Monthly Results
Dec'25
Dec'24
Dec'23
Dec'22
Dec'21
Dec'20
Dec'19
Interest Earned
16,260.68
16,514.37
13,680.28
11,636.45
9,999.56
9,523.56
8,039.21
Income On Investments
2,035.91
1,599.64
1,539.21
1,384.16
1,075.25
817.30
586.26
Interest On Balances With Rbi Other Inter Bank Funds
50.48
87.88
55.44
59.62
121.81
105.76
133.09
Interest / Discount On Advances / Bills
13,892.68
14,603.91
11,876.92
10,076.75
8,743.45
8,321.33
7,023.01
Others
281.61
222.94
208.71
115.93
59.04
279.16
296.84
Other Income
1,963.33
2,266.98
1,470.53
1,839.42
1,804.01
1,312.86
1,049.02
Total Income
18,224.01
18,781.35
15,150.82
13,475.86
11,803.56
10,836.42
9,088.21
Interest Expended
8,226.58
7,779.68
6,220.93
4,848.61
3,825.37
3,717.20
3,395.32
Net Interest Income
8,034.10
8,734.69
7,459.35
6,787.84
6,174.19
5,806.36
4,643.89
Total Expenditure (Excl Depreciation)
5,573.66
5,184.32
4,128.87
3,331.55
2,540.58
2,002.30
1,767.02
Employee Cost
3,334.34
3,276.76
2,572.72
1,987.65
1,564.50
1,238.94
1,004.97
Other Operating Expenses
2,239.32
1,907.56
1,556.15
1,343.90
976.08
763.36
762.05
Operating Profit Before Provisions and Contingencies
4,423.76
5,817.35
4,801.01
5,295.70
5,437.61
5,116.91
3,925.88
Exceptional Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Provisions and contingencies
3,454.10
2,505.25
1,922.25
3,463.60
7,825.65
2,303.43
565.79
Profit Before Tax
969.67
3,312.10
2,878.76
1,832.11
-2,388.04
2,813.48
3,360.10
Tax
280.24
884.70
703.82
445.76
-611.49
711.06
853.64
Profit After Tax
689.42
2,427.40
2,174.94
1,386.35
-1,776.55
2,102.42
2,506.45
Extraordinary Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Net Profit
689.42
2,427.40
2,174.94
1,386.35
-1,776.55
2,102.42
2,506.45
Face Value
10.0
10.0
10.0
10.0
10.0
10.0
10.0
Reserves
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Diluted Earnings per share
1.28
2.65
4.55
1.81
5.33
3.92
4.52
Operating Profit Margin (Excl OI)
65.72%
68.61%
69.82%
71.37%
74.59%
78.98%
78.02%
Gross Profit Margin
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
PAT Margin
4.24%
14.7%
15.9%
11.91%
-17.77%
22.08%
31.18%
Net Interest Margin
5.9%
6.9%
7.2%
6.5%
7.8%
8.3%
1.98%
Return on Assets
0.11%
0.24%
0.48%
0.21%
0.72%
0.61%
0.89%
CASA (%)
27.3%
31.7%
36.1%
36.4%
45.6%
42.9%
34.31%
CASA Amount
42,730.00
44,740.00
42,410.00
37,210.00
38,530.00
30,520.00
18,839.00
Capital Adequacy Ratio (Total)
17.33%
14.54%
17.86%
19.1%
20.0%
26.17%
24.69%
Capital Adequacy Ratio (Tier 1)
16.5%
13.7%
16.9%
18.1%
19.0%
21.4%
23.09%
Provision Coverage Ratio (%)
70.8%
73.5%
70.0%
75.4%
74.4%
0.0%
0.0%
Amount of Gross NPAs
4,804.99
6,178.50
8,135.54
6,964.76
9,441.57
859.22
1,181.96
Amount of Net NPAs
1,402.12
1,636.70
2,439.57
1,711.30
2,413.13
201.34
491.44
% of Net NPAs
0.99%
1.28%
2.21%
1.86%
3.01%
0.26%
0.81%
% of Gross NPAs
3.33%
4.68%
7.02%
7.15%
10.81%
1.11%
1.93%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
0.0%
Number of ATMs
438.0
438.0
438.0
412.0
489.0
487.0
485.0
Number of Branches
1831.0
1703.0
1647.0
1250.0
1176.0
1107.0
1009.0
Nine Monthly Analysis Highlights
Interest Earned
YoY Growth in nine months ended Dec 2025 is -1.54% vs 20.72% in Dec 2024
Net Profit
YoY Growth in nine months ended Dec 2025 is -71.60% vs 11.61% in Dec 2024
Operating Profit (PBDIT)
YoY Growth in nine months ended Dec 2025 is -23.96% vs 21.17% in Dec 2024
% of Net NPAs
YoY Growth in nine months ended Dec 2025 is -0.29% vs -0.93% in Dec 2024
% of Gross NPAs
YoY Growth in nine months ended Dec 2025 is -1.35% vs -2.34% in Dec 2024
Compare Nine Monthly Results Of Bandhan Bank With
Figures in Cr
Standalone Nine Monthly Results
Change(INR)
Change(%)
Interest Earned
16,260.68
8,170.70
8,089.98
99.01%
Income On Investments
2,035.91
1,382.51
653.40
47.26%
Interest On Balances With Rbi Other Inter Bank Funds
50.48
27.86
22.62
81.19%
Interest / Discount On Advances / Bills
13,892.68
6,746.21
7,146.47
105.93%
Others
281.61
14.12
267.49
1894.41%
Other Income
1,963.33
1,468.52
494.81
33.69%
Total Income
18,224.01
9,639.22
8,584.79
89.06%
Interest Expended
8,226.58
4,590.92
3,635.66
79.19%
Net Interest Income
8,034.10
3,579.78
4,454.32
124.43%
Total Expenditure (Excl Depreciation)
5,573.66
2,220.08
3,353.58
151.06%
Employee Cost
3,334.34
1,093.29
2,241.05
204.98%
Other Operating Expenses
2,239.32
1,126.79
1,112.53
98.73%
Operating Profit Before Provisions and Contingencies
4,423.76
2,828.22
1,595.54
56.41%
Exceptional Items
0.00
0.00
0.00
Provisions and contingencies
3,454.10
497.28
2,956.82
594.6%
Profit Before Tax
969.67
2,330.94
-1,361.27
-58.4%
Tax
280.24
545.57
-265.33
-48.63%
Profit After Tax
689.42
1,785.37
-1,095.95
-61.39%
Extraordinary Items
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
Net Profit
689.42
1,785.37
-1,095.95
-61.39%
Face Value
10.00
2.00
0.00
Reserves
0.00
0.00
0.00
Gross Profit Margin
0.00%
0.00%
0.00
0.00%
PAT Margin
4.24%
21.85%
0.00
-17.61%
Net Interest Margin
5.90%
3.99%
1.91
1.91%
Return on Assets
0.11%
0.00%
0.11
0.11%
CASA (%)
27.30%
27.23%
0.07
0.07%
CASA Amount
42,730.00
31,199.00
11,531.00
36.96%
Capital Adequacy Ratio (Total)
17.33%
16.05%
1.28
1.28%
Capital Adequacy Ratio (Tier 1)
16.50%
15.06%
1.44
1.44%
Provision Coverage Ratio (%)
70.80%
96.56%
-25.76
-25.76%
Amount of Gross NPAs
4,804.99
686.94
4,118.05
599.48%
Amount of Net NPAs
1,402.12
183.29
1,218.83
664.97%
% of Net NPAs
0.99%
0.19%
0.80
0.80%
% of Gross NPAs
3.33%
0.71%
2.62
2.62%
Public Share Holdings (%)
0.00%
0.00%
0.00
0.00%
Pledged Promotor Holding (%)
0.00%
0.00%
0.00
0.00%
Pledged Capital (%)
0.00%
0.00%
0.00
0.00%
Number of ATMs
438.00
2,211.00
-1,773.00
-80.19%
Number of Branches
1,831.00
898.00
933.00
103.9%
Nine Monthly - Interest Earned
Interest Earned 16260.68 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is -1.54% vs 20.72% in Dec 2024
Nine Monthly - Net Profit
Net Profit 689.42 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is -71.60% vs 11.61% in Dec 2024
Nine Monthly - Operating Profit (PBDIT)
Operating Profit (PBDIT) 4,423.76 Cr
in Dec 2025Figures in Cr
YoY Growth in nine months ended Dec 2025 is -23.96% vs 21.17% in Dec 2024
Nine Monthly - % of Net NPAs
% of Net NPAs 0.99%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -0.29% vs -0.93% in Dec 2024
Nine Monthly - % of Gross NPAs
% of Gross NPAs 3.33%
in Dec 2025Figures in %
YoY Growth in nine months ended Dec 2025 is -1.35% vs -2.34% in Dec 2024
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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