Bandhan Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Jun'26

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Interest Earned

5,630.55

5,428.43

5,431.24

5,353.83

5,475.61

5,433.86

5,478.73

Income On Investments

609.70

601.43

682.92

694.21

658.78

582.23

548.36

Interest On Balances With Rbi Other Inter Bank Funds

16.21

31.39

11.37

22.38

16.73

9.29

15.92

Interest / Discount On Advances / Bills

4,944.46

4,654.47

4,684.93

4,475.38

4,732.37

4,763.56

4,852.37

Others

60.18

141.14

52.02

161.86

67.73

78.78

62.08

Other Income

603.83

770.69

691.01

546.44

725.88

699.62

1,111.83

Total Income

6,234.38

6,199.13

6,122.25

5,900.27

6,201.49

6,133.48

6,590.56

Interest Expended

2,709.97

2,632.84

2,742.94

2,765.27

2,718.37

2,677.97

2,664.43

Net Interest Income

2,920.58

2,795.59

2,688.30

2,588.56

2,757.24

2,755.89

2,814.30

Total Expenditure (Excl Depreciation)

2,166.31

2,125.13

1,934.30

1,824.64

1,814.72

1,884.18

1,904.77

Employee Cost

1,358.32

1,158.40

1,133.46

1,077.27

1,123.61

1,084.22

1,227.35

Other Operating Expenses

807.99

966.73

800.84

747.37

691.11

799.96

677.42

Operating Profit Before Provisions and Contingencies

1,358.10

1,441.16

1,445.01

1,310.35

1,668.40

1,571.34

2,021.36

Exceptional Items

0.00

Provisions and contingencies

682.59

677.01

1,154.63

1,152.56

1,146.91

1,260.16

1,376.01

Profit Before Tax

675.52

764.15

290.38

157.79

521.49

311.18

645.35

Tax

173.85

230.01

84.79

45.92

149.53

-6.72

218.86

Profit After Tax

501.67

534.14

205.59

111.87

371.96

317.90

426.49

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

501.67

534.14

205.59

111.87

371.96

317.90

426.49

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

3.11

3.32

1.28

0.69

2.31

1.97

2.65

Diluted Earnings per share

3.11

3.31

1.28

0.69

2.31

1.97

2.65

Operating Profit Margin (Excl OI)

49.4%

48.38%

43.13%

44.39%

45.91%

42.13%

40.12%

Gross Profit Margin

12.0%

14.08%

5.35%

2.95%

9.52%

5.73%

11.78%

PAT Margin

8.91%

9.84%

3.79%

2.09%

6.79%

5.85%

7.78%

Net Interest Margin

6.2%

5.9%

5.8%

6.4%

6.7%

6.9%

Return on Assets

0.25%

0.27%

0.11%

0.06%

0.2%

0.17%

0.24%

CASA (%)

29.4%

29.3%

27.3%

28.0%

27.1%

31.4%

31.7%

CASA Amount

48,480.00

48,750.00

42,730.00

44,210.00

41,860.00

47,440.00

44,740.00

Capital Adequacy Ratio (Total)

18.15%

18.04%

17.33%

18.23%

19.08%

18.71%

14.54%

Capital Adequacy Ratio (Tier 1)

17.5%

17.3%

16.5%

17.4%

18.3%

17.9%

13.7%

Provision Coverage Ratio (%)

71.1%

70.8%

73.7%

73.5%

Amount of Gross NPAs

4,880.95

5,019.55

4,804.99

7,015.13

6,622.64

6,435.56

6,178.50

Amount of Net NPAs

1,411.63

1,452.09

1,402.12

1,843.55

1,744.15

1,692.85

1,636.70

% of Net NPAs

0.93%

0.97%

0.99%

1.37%

1.36%

1.28%

% of Gross NPAs

3.15%

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

1988.0

1955.0

1831.0

1754.0

1750.0

1715.0

1703.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Jun 2026 is 3.72% vs -0.05% in Mar 2026

Net Profit

QoQ Growth in quarter ended Jun 2026 is -6.08% vs 159.81% in Mar 2026

Operating Profit (PBDIT)

QoQ Growth in quarter ended Jun 2026 is -5.76% vs -0.27% in Mar 2026

% of Net NPAs

QoQ Growth in quarter ended Jun 2026 is -0.04% vs -0.02% in Mar 2026

% of Gross NPAs

QoQ Growth in quarter ended Jun 2026 is -0.12% vs -0.06% in Mar 2026

Compare Quarterly Results Of Bandhan Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

5,630.55

3,049.42

2,581.13

84.64%

Income On Investments

609.70

510.65

99.05

19.4%

Interest On Balances With Rbi Other Inter Bank Funds

16.21

18.05

-1.84

-10.19%

Interest / Discount On Advances / Bills

4,944.46

2,516.24

2,428.22

96.5%

Others

60.18

4.48

55.70

1243.3%

Other Income

603.83

441.79

162.04

36.68%

Total Income

6,234.38

3,491.21

2,743.17

78.57%

Interest Expended

2,709.97

1,626.67

1,083.30

66.6%

Net Interest Income

2,920.58

1,422.75

1,497.83

105.28%

Total Expenditure (Excl Depreciation)

2,166.31

768.94

1,397.37

181.73%

Employee Cost

1,358.32

399.27

959.05

240.2%

Other Operating Expenses

807.99

369.67

438.32

118.57%

Operating Profit Before Provisions and Contingencies

1,358.10

1,095.60

262.50

23.96%

Exceptional Items

0.00

Provisions and contingencies

682.59

90.29

592.30

656.0%

Profit Before Tax

675.52

1,005.31

-329.79

-32.8%

Tax

173.85

249.61

-75.76

-30.35%

Profit After Tax

501.67

755.70

-254.03

-33.62%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

501.67

755.70

-254.03

-33.62%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.11

7.82

-4.71

-60.23%

Diluted Earnings per share

3.11

7.82

-4.71

-60.23%

Operating Profit Margin (Excl OI)

49.40%

71.82%

0.00

-22.42%

Gross Profit Margin

12.00%

32.97%

0.00

-20.97%

PAT Margin

8.91%

24.78%

0.00

-15.87%

Net Interest Margin

6.20%

4.26%

1.94

1.94%

Return on Assets

0.25%

0.00%

0.25

0.25%

CASA (%)

29.40%

27.55%

1.85

1.85%

CASA Amount

48,480.00

33,776.00

14,704.00

43.53%

Capital Adequacy Ratio (Total)

18.15%

18.61%

-0.46

-0.46%

Capital Adequacy Ratio (Tier 1)

17.50%

17.98%

-0.48

-0.48%

Provision Coverage Ratio (%)

71.10%

96.21%

-25.11

-25.11%

Amount of Gross NPAs

4,880.95

771.89

4,109.06

532.34%

Amount of Net NPAs

1,411.63

195.76

1,215.87

621.1%

% of Net NPAs

0.93%

0.19%

0.74

0.74%

% of Gross NPAs

3.15%

0.74%

2.41

2.41%

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

2,169.00

-1,731.00

-79.81%

Number of Branches

1,988.00

903.00

1,085.00

120.16%

Quarterly - Interest Earned

Interest Earned 5630.55 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is 3.72% vs -0.05% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 2.83% vs -1.09% in Jun 2025

Quarterly - Net Profit

Net Profit 501.67 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -6.08% vs 159.81% in Mar 2026

YoY Growth in quarter ended Jun 2026 is 34.87% vs -65.02% in Jun 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,358.10 Cr

in Jun 2026

Figures in Cr

QoQ Growth in quarter ended Jun 2026 is -5.76% vs -0.27% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -18.60% vs -14.04% in Jun 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.93%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.04% vs -0.02% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -0.43% vs 0.21% in Jun 2025

Quarterly - % of Gross NPAs

% of Gross NPAs 3.15%

in Jun 2026

Figures in %

QoQ Growth in quarter ended Jun 2026 is -0.12% vs -0.06% in Mar 2026

YoY Growth in quarter ended Jun 2026 is -1.81% vs 0.73% in Jun 2025