Bandhan Bank Ltd. Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

5,431.24

5,353.83

5,475.61

5,433.86

5,478.73

5,499.81

5,535.82

Income On Investments

682.92

694.21

658.78

582.23

548.36

518.89

532.39

Interest On Balances With Rbi Other Inter Bank Funds

11.37

22.38

16.73

9.29

15.92

30.24

41.72

Interest / Discount On Advances / Bills

4,684.93

4,475.38

4,732.37

4,763.56

4,852.37

4,882.02

4,869.52

Others

52.02

161.86

67.73

78.78

62.08

68.67

92.19

Other Income

691.01

546.44

725.88

699.62

1,111.83

609.24

527.54

Total Income

6,122.25

5,900.27

6,201.49

6,133.48

6,590.56

6,109.06

6,063.36

Interest Expended

2,742.94

2,765.27

2,718.37

2,677.97

2,664.43

2,566.08

2,530.80

Net Interest Income

2,688.30

2,588.56

2,757.24

2,755.89

2,814.30

2,933.73

3,005.02

Total Expenditure (Excl Depreciation)

1,934.30

1,824.64

1,814.72

1,884.18

1,904.77

1,687.88

1,591.67

Employee Cost

1,133.46

1,077.27

1,123.61

1,084.22

1,227.35

1,044.03

1,005.38

Other Operating Expenses

800.84

747.37

691.11

799.96

677.42

643.85

586.29

Operating Profit Before Provisions and Contingencies

1,445.01

1,310.35

1,668.40

1,571.34

2,021.36

1,855.10

1,940.89

Exceptional Items

0.00

Provisions and contingencies

1,154.63

1,152.56

1,146.91

1,260.16

1,376.01

606.24

523.00

Profit Before Tax

290.38

157.79

521.49

311.18

645.35

1,248.86

1,417.89

Tax

84.79

45.92

149.53

-6.72

218.86

311.41

354.43

Profit After Tax

205.59

111.87

371.96

317.90

426.49

937.45

1,063.46

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

205.59

111.87

371.96

317.90

426.49

937.45

1,063.46

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

1.28

0.69

2.31

1.97

2.65

5.82

6.6

Diluted Earnings per share

1.28

0.69

2.31

1.97

2.65

5.82

6.6

Operating Profit Margin (Excl OI)

43.13%

44.39%

45.91%

42.13%

40.12%

58.29%

61.8%

Gross Profit Margin

5.35%

2.95%

9.52%

5.73%

11.78%

22.71%

25.61%

PAT Margin

3.79%

2.09%

6.79%

5.85%

7.78%

17.05%

19.21%

Net Interest Margin

5.9%

5.8%

6.4%

6.7%

6.9%

7.4%

7.6%

Return on Assets

0.11%

0.06%

0.2%

0.17%

0.24%

0.53%

0.61%

CASA (%)

27.3%

28.0%

27.1%

31.4%

31.7%

33.2%

33.4%

CASA Amount

42,730.00

44,210.00

41,860.00

47,440.00

44,740.00

47,280.00

44,460.00

Capital Adequacy Ratio (Total)

17.33%

18.23%

19.08%

18.71%

14.54%

14.34%

14.97%

Capital Adequacy Ratio (Tier 1)

16.5%

17.4%

18.3%

17.9%

13.7%

13.6%

14.1%

Provision Coverage Ratio (%)

70.8%

73.7%

73.5%

73.7%

Amount of Gross NPAs

4,804.99

7,015.13

6,622.64

6,435.56

6,178.50

6,105.30

5,304.36

Amount of Net NPAs

1,402.12

1,843.55

1,744.15

1,692.85

1,636.70

1,620.20

1,396.43

% of Net NPAs

0.99%

1.37%

1.36%

1.28%

1.29%

1.15%

% of Gross NPAs

3.33%

5.02%

4.96%

4.71%

4.68%

4.23%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

438.0

Number of Branches

1831.0

1754.0

1750.0

1715.0

1703.0

1700.0

Quarterly Analysis Highlights - QoQ

Interest Earned

QoQ Growth in quarter ended Dec 2025 is 1.45% vs -2.22% in Sep 2025

Net Profit

QoQ Growth in quarter ended Dec 2025 is 83.78% vs -69.92% in Sep 2025

Operating Profit (PBDIT)

QoQ Growth in quarter ended Dec 2025 is 10.28% vs -21.46% in Sep 2025

% of Net NPAs

QoQ Growth in quarter ended Dec 2025 is -0.38% vs 0.01% in Sep 2025

% of Gross NPAs

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

Compare Quarterly Results Of Bandhan Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

5,431.24

2,794.18

2,637.06

94.38%

Income On Investments

682.92

497.82

185.10

37.18%

Interest On Balances With Rbi Other Inter Bank Funds

11.37

5.23

6.14

117.4%

Interest / Discount On Advances / Bills

4,684.93

2,286.37

2,398.56

104.91%

Others

52.02

4.76

47.26

992.86%

Other Income

691.01

508.95

182.06

35.77%

Total Income

6,122.25

3,303.13

2,819.12

85.35%

Interest Expended

2,742.94

1,554.93

1,188.01

76.4%

Net Interest Income

2,688.30

1,239.25

1,449.05

116.93%

Total Expenditure (Excl Depreciation)

1,934.30

742.86

1,191.44

160.39%

Employee Cost

1,133.46

363.22

770.24

212.06%

Other Operating Expenses

800.84

379.64

421.20

110.95%

Operating Profit Before Provisions and Contingencies

1,445.01

1,005.34

439.67

43.73%

Exceptional Items

0.00

Provisions and contingencies

1,154.63

104.77

1,049.86

1002.06%

Profit Before Tax

290.38

900.57

-610.19

-67.76%

Tax

84.79

210.61

-125.82

-59.74%

Profit After Tax

205.59

689.96

-484.37

-70.2%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

205.59

689.96

-484.37

-70.2%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

1.28

7.14

-5.86

-82.07%

Diluted Earnings per share

1.28

7.14

-5.86

-82.07%

Operating Profit Margin (Excl OI)

43.13%

69.66%

0.00

-26.53%

Gross Profit Margin

5.35%

32.23%

0.00

-26.88%

PAT Margin

3.79%

24.69%

0.00

-20.90%

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%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

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%

Quarterly - Interest Earned

Interest Earned 5431.24 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 1.45% vs -2.22% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.87% vs 17.43% in Dec 2024

Quarterly - Net Profit

Net Profit 205.59 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 83.78% vs -69.92% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -51.79% vs -41.79% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 1,445.01 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 10.28% vs -21.46% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -28.51% vs 22.11% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.99%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.38% vs 0.01% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -0.29% vs -0.93% in Dec 2024

Quarterly - % of Gross NPAs

% of Gross NPAs 3.33%

in Dec 2025

Figures in %

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

YoY Growth in quarter ended Dec 2025 is -1.35% vs -2.34% in Dec 2024