Bandhan Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Mar'24

Interest Earned

5,353.83

5,475.61

5,433.86

5,478.73

5,499.81

5,535.82

5,189.34

Income On Investments

694.21

658.78

582.23

548.36

518.89

532.39

474.36

Interest On Balances With Rbi Other Inter Bank Funds

22.38

16.73

9.29

15.92

30.24

41.72

22.37

Interest / Discount On Advances / Bills

4,475.38

4,732.37

4,763.56

4,852.37

4,882.02

4,869.52

4,629.29

Others

161.86

67.73

78.78

62.08

68.67

92.19

63.33

Other Income

546.44

725.88

699.62

1,111.83

609.24

527.54

700.88

Total Income

5,900.27

6,201.49

6,133.48

6,590.56

6,109.06

6,063.36

5,890.23

Interest Expended

2,765.27

2,718.37

2,677.97

2,664.43

2,566.08

2,530.80

2,329.84

Net Interest Income

2,588.56

2,757.24

2,755.89

2,814.30

2,933.73

3,005.02

2,859.50

Total Expenditure (Excl Depreciation)

1,824.64

1,814.72

1,884.18

1,904.77

1,687.88

1,591.67

1,721.91

Employee Cost

1,077.27

1,123.61

1,084.22

1,227.35

1,044.03

1,005.38

970.20

Other Operating Expenses

747.37

691.11

799.96

677.42

643.85

586.29

751.71

Operating Profit Before Provisions and Contingencies

1,310.35

1,668.40

1,571.34

2,021.36

1,855.10

1,940.89

1,838.48

Exceptional Items

0.00

Provisions and contingencies

1,152.56

1,146.91

1,260.16

1,376.01

606.24

523.00

1,774.33

Profit Before Tax

157.79

521.49

311.18

645.35

1,248.86

1,417.89

64.15

Tax

45.92

149.53

-6.72

218.86

311.41

354.43

9.53

Profit After Tax

111.87

371.96

317.90

426.49

937.45

1,063.46

54.63

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

111.87

371.96

317.90

426.49

937.45

1,063.46

54.63

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

0.69

2.31

1.97

2.65

5.82

6.6

0.34

Diluted Earnings per share

0.69

2.31

1.97

2.65

5.82

6.6

0.34

Operating Profit Margin (Excl OI)

44.39%

45.91%

42.13%

40.12%

58.29%

61.8%

32.63%

Gross Profit Margin

2.95%

9.52%

5.73%

11.78%

22.71%

25.61%

1.24%

PAT Margin

2.09%

6.79%

5.85%

7.78%

17.05%

19.21%

1.05%

Net Interest Margin

5.8%

6.4%

6.7%

6.9%

7.4%

7.6%

Return on Assets

0.06%

0.2%

0.17%

0.24%

0.53%

0.61%

0.03%

CASA (%)

28.0%

27.1%

31.4%

31.7%

33.2%

33.4%

37.1%

CASA Amount

44,210.00

41,860.00

47,440.00

44,740.00

47,280.00

44,460.00

50,150.00

Capital Adequacy Ratio (Total)

18.23%

19.08%

18.71%

14.54%

14.34%

14.97%

14.69%

Capital Adequacy Ratio (Tier 1)

17.4%

18.3%

17.9%

13.7%

13.6%

14.1%

13.8%

Provision Coverage Ratio (%)

73.7%

73.5%

73.7%

71.8%

Amount of Gross NPAs

7,015.13

6,622.64

6,435.56

6,178.50

6,105.30

5,304.36

4,784.88

Amount of Net NPAs

1,843.55

1,744.15

1,692.85

1,636.70

1,620.20

1,396.43

1,347.61

% of Net NPAs

1.37%

1.36%

1.28%

1.29%

1.15%

1.11%

% of Gross NPAs

5.02%

4.96%

4.71%

4.68%

4.23%

3.84%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

438.0

Number of Branches

1754.0

1750.0

1715.0

1703.0

1700.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Sep 2025 is -2.22% vs 0.77% in Jun 2025

Net Profit

QoQ Growth in quarter ended Sep 2025 is -69.92% vs 17.01% in Jun 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Sep 2025 is -21.46% vs 6.18% in Jun 2025

% of Net NPAs

QoQ Growth in quarter ended Sep 2025 is 0.01% vs 0.08% in Jun 2025

% of Gross NPAs

QoQ Growth in quarter ended Sep 2025 is 0.06% vs 0.25% in Jun 2025

Compare Quarterly Results Of Bandhan Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

5,353.83

2,807.97

2,545.86

90.67%

Income On Investments

694.21

467.18

227.03

48.6%

Interest On Balances With Rbi Other Inter Bank Funds

22.38

7.11

15.27

214.77%

Interest / Discount On Advances / Bills

4,475.38

2,329.21

2,146.17

92.14%

Others

161.86

4.47

157.39

3521.03%

Other Income

546.44

512.32

34.12

6.66%

Total Income

5,900.27

3,320.29

2,579.98

77.7%

Interest Expended

2,765.27

1,546.79

1,218.48

78.77%

Net Interest Income

2,588.56

1,261.18

1,327.38

105.25%

Total Expenditure (Excl Depreciation)

1,824.64

756.12

1,068.52

141.32%

Employee Cost

1,077.27

365.13

712.14

195.04%

Other Operating Expenses

747.37

390.99

356.38

91.15%

Operating Profit Before Provisions and Contingencies

1,310.35

1,017.38

292.97

28.8%

Exceptional Items

0.00

Provisions and contingencies

1,152.56

274.37

878.19

320.08%

Profit Before Tax

157.79

743.01

-585.22

-78.76%

Tax

45.92

169.05

-123.13

-72.84%

Profit After Tax

111.87

573.96

-462.09

-80.51%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

111.87

573.96

-462.09

-80.51%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

0.69

5.94

-5.25

-88.38%

Diluted Earnings per share

0.69

5.94

-5.25

-88.38%

Operating Profit Margin (Excl OI)

44.39%

63.30%

0.00

-18.91%

Gross Profit Margin

2.95%

26.46%

0.00

-23.51%

PAT Margin

2.09%

20.44%

0.00

-18.35%

Net Interest Margin

5.80%

3.77%

2.03

2.03%

Return on Assets

0.06%

0.00%

0.06

0.06%

CASA (%)

28.00%

27.65%

0.35

0.35%

CASA Amount

44,210.00

30,555.00

13,655.00

44.69%

Capital Adequacy Ratio (Total)

18.23%

16.58%

1.65

1.65%

Capital Adequacy Ratio (Tier 1)

17.40%

0.00%

17.40

17.40%

Provision Coverage Ratio (%)

73.70%

96.76%

-23.06

-23.06%

Amount of Gross NPAs

7,015.13

708.00

6,307.13

890.84%

Amount of Net NPAs

1,843.55

176.00

1,667.55

947.47%

% of Net NPAs

1.37%

0.19%

1.18

1.18%

% of Gross NPAs

5.02%

0.76%

4.26

4.26%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

438.00

2,225.00

-1,787.00

-80.31%

Number of Branches

1,754.00

895.00

859.00

95.98%

Quarterly - Interest Earned

Interest Earned 5353.83 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -2.22% vs 0.77% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -2.65% vs 22.44% in Sep 2024

Quarterly - Net Profit

Net Profit 111.87 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -69.92% vs 17.01% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -88.07% vs 29.99% in Sep 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,310.35 Cr

in Sep 2025

Figures in Cr

QoQ Growth in quarter ended Sep 2025 is -21.46% vs 6.18% in Jun 2025

YoY Growth in quarter ended Sep 2025 is -29.36% vs 17.16% in Sep 2024

Quarterly - % of Net NPAs

% of Net NPAs 1.37%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 0.01% vs 0.08% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 0.08% vs -1.03% in Sep 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 5.02%

in Sep 2025

Figures in %

QoQ Growth in quarter ended Sep 2025 is 0.06% vs 0.25% in Jun 2025

YoY Growth in quarter ended Sep 2025 is 0.34% vs -2.64% in Sep 2024