Bandhan Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

5,428.43

5,431.24

5,353.83

5,475.61

5,433.86

5,478.73

5,499.81

Income On Investments

601.43

682.92

694.21

658.78

582.23

548.36

518.89

Interest On Balances With Rbi Other Inter Bank Funds

31.39

11.37

22.38

16.73

9.29

15.92

30.24

Interest / Discount On Advances / Bills

4,654.47

4,684.93

4,475.38

4,732.37

4,763.56

4,852.37

4,882.02

Others

141.14

52.02

161.86

67.73

78.78

62.08

68.67

Other Income

770.69

691.01

546.44

725.88

699.62

1,111.83

609.24

Total Income

6,199.13

6,122.25

5,900.27

6,201.49

6,133.48

6,590.56

6,109.06

Interest Expended

2,632.84

2,742.94

2,765.27

2,718.37

2,677.97

2,664.43

2,566.08

Net Interest Income

2,795.59

2,688.30

2,588.56

2,757.24

2,755.89

2,814.30

2,933.73

Total Expenditure (Excl Depreciation)

2,125.13

1,934.30

1,824.64

1,814.72

1,884.18

1,904.77

1,687.88

Employee Cost

1,158.40

1,133.46

1,077.27

1,123.61

1,084.22

1,227.35

1,044.03

Other Operating Expenses

966.73

800.84

747.37

691.11

799.96

677.42

643.85

Operating Profit Before Provisions and Contingencies

1,441.16

1,445.01

1,310.35

1,668.40

1,571.34

2,021.36

1,855.10

Exceptional Items

0.00

Provisions and contingencies

677.01

1,154.63

1,152.56

1,146.91

1,260.16

1,376.01

606.24

Profit Before Tax

764.15

290.38

157.79

521.49

311.18

645.35

1,248.86

Tax

230.01

84.79

45.92

149.53

-6.72

218.86

311.41

Profit After Tax

534.14

205.59

111.87

371.96

317.90

426.49

937.45

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

534.14

205.59

111.87

371.96

317.90

426.49

937.45

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

3.32

1.28

0.69

2.31

1.97

2.65

5.82

Diluted Earnings per share

3.31

1.28

0.69

2.31

1.97

2.65

5.82

Operating Profit Margin (Excl OI)

48.38%

43.13%

44.39%

45.91%

42.13%

40.12%

58.29%

Gross Profit Margin

14.08%

5.35%

2.95%

9.52%

5.73%

11.78%

22.71%

PAT Margin

9.84%

3.79%

2.09%

6.79%

5.85%

7.78%

17.05%

Net Interest Margin

6.2%

5.9%

5.8%

6.4%

6.7%

6.9%

7.4%

Return on Assets

0.27%

0.11%

0.06%

0.2%

0.17%

0.24%

0.53%

CASA (%)

29.3%

27.3%

28.0%

27.1%

31.4%

31.7%

33.2%

CASA Amount

48,750.00

42,730.00

44,210.00

41,860.00

47,440.00

44,740.00

47,280.00

Capital Adequacy Ratio (Total)

18.04%

17.33%

18.23%

19.08%

18.71%

14.54%

14.34%

Capital Adequacy Ratio (Tier 1)

17.3%

16.5%

17.4%

18.3%

17.9%

13.7%

13.6%

Provision Coverage Ratio (%)

71.1%

70.8%

73.7%

73.5%

Amount of Gross NPAs

5,019.55

4,804.99

7,015.13

6,622.64

6,435.56

6,178.50

6,105.30

Amount of Net NPAs

1,452.09

1,402.12

1,843.55

1,744.15

1,692.85

1,636.70

1,620.20

% of Net NPAs

0.97%

0.99%

1.37%

1.36%

1.28%

1.29%

% of Gross NPAs

3.27%

3.33%

5.02%

4.96%

4.71%

4.68%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

438.0

Number of Branches

1955.0

1831.0

1754.0

1750.0

1715.0

1703.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Mar 2026 is -0.05% vs 1.45% in Dec 2025

Net Profit

QoQ Growth in quarter ended Mar 2026 is 159.81% vs 83.78% in Dec 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Mar 2026 is -0.27% vs 10.28% in Dec 2025

% of Net NPAs

QoQ Growth in quarter ended Mar 2026 is -0.02% vs -0.38% in Dec 2025

% of Gross NPAs

QoQ Growth in quarter ended Mar 2026 is -0.06% vs -1.69% in Dec 2025

Compare Quarterly Results Of Bandhan Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

5,428.43

10,552.77

-5,124.34

-48.56%

Income On Investments

601.43

1,512.04

-910.61

-60.22%

Interest On Balances With Rbi Other Inter Bank Funds

31.39

37.68

-6.29

-16.69%

Interest / Discount On Advances / Bills

4,654.47

8,967.01

-4,312.54

-48.09%

Others

141.14

36.04

105.10

291.62%

Other Income

770.69

1,630.04

-859.35

-52.72%

Total Income

6,199.13

12,182.81

-5,983.68

-49.12%

Interest Expended

2,632.84

4,875.58

-2,242.74

-46.0%

Net Interest Income

2,795.59

5,677.19

-2,881.60

-50.76%

Total Expenditure (Excl Depreciation)

2,125.13

6,248.69

-4,123.56

-65.99%

Employee Cost

1,158.40

1,594.25

-435.85

-27.34%

Other Operating Expenses

966.73

4,654.44

-3,687.71

-79.23%

Operating Profit Before Provisions and Contingencies

1,441.16

1,058.54

382.62

36.15%

Exceptional Items

0.00

Provisions and contingencies

677.01

869.24

-192.23

-22.11%

Profit Before Tax

764.15

189.30

574.85

303.67%

Tax

230.01

-129.64

359.65

277.42%

Profit After Tax

534.14

318.94

215.20

67.47%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

534.14

318.94

215.20

67.47%

Face Value

10.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.32

0.37

2.95

797.3%

Diluted Earnings per share

3.31

0.37

2.94

794.59%

Operating Profit Margin (Excl OI)

48.38%

32.55%

0.00

15.83%

Gross Profit Margin

14.08%

1.79%

0.00

12.29%

PAT Margin

9.84%

3.02%

0.00

6.82%

Net Interest Margin

6.20%

5.93%

0.27

0.27%

Return on Assets

0.27%

0.00%

0.27

0.27%

CASA (%)

29.30%

49.80%

-20.50

-20.50%

CASA Amount

48,750.00

0.00

48,750.00

Capital Adequacy Ratio (Total)

18.04%

15.60%

2.44

2.44%

Capital Adequacy Ratio (Tier 1)

17.30%

13.73%

3.57

3.57%

Provision Coverage Ratio (%)

71.10%

70.46%

0.64

0.64%

Amount of Gross NPAs

5,019.55

4,558.52

461.03

10.11%

Amount of Net NPAs

1,452.09

1,346.44

105.65

7.85%

% of Net NPAs

0.97%

0.48%

0.49

0.49%

% of Gross NPAs

3.27%

1.61%

1.66

1.66%

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

0.00

438.00

Number of Branches

1,955.00

1,147.00

808.00

70.44%

Quarterly - Interest Earned

Interest Earned 5428.43 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -0.05% vs 1.45% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.1% vs 4.71% in Mar 2025

Quarterly - Net Profit

Net Profit 534.14 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 159.81% vs 83.78% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 68.02% vs 481.91% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,441.16 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is -0.27% vs 10.28% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -8.28% vs -14.53% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.97%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.02% vs -0.38% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -0.31% vs 0.17% in Mar 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 3.27%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.06% vs -1.69% in Dec 2025

YoY Growth in quarter ended Mar 2026 is -1.44% vs 0.87% in Mar 2025