Bandhan Bank Q1 Results: PAT falls 65% YoY to Rs 372 crore, NII down 8%
on Friday reported a 65% drop in its Q1FY26 net profit at Rs 372 crore compared with Rs 1,063 crore posted in the year ago period. The Net interest income (NII) in the quarter under review stood at Rs 2,757 crore versus Rs 2,987 crore in the year ago period, witnessing an 8% decline.
On a sequential basis, the profit after tax (PAT) rose 17% versus Rs 318 crore while the NII was flat versus 2,756 crore in Q4FY25.
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The Net Interest Margin (NIM) for the quarter stood at 6.4%.
Bandhan Bank's net revenue as of Q1FY26 was reported at Rs 3,483 crore as compared to Rs 3,533 crore in Q1 FY25 and Rs 3,456 crore in Q4FY25.
Lender's operating profit was reported at Rs 1,668 crore in Q1FY26 compared to Rs 1,941 crore in Q1FY25 and Rs 1,571 crore in Q4FY25.
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The provisions (other than tax) & contingencies charged to the Profit and Loss for Q1 FY26 were at Rs 1,147 crore compared to Rs 523 crore in Q1 FY25. In Q4 FY25, provisions were at Rs 1,260 crore.
Deposits
As of June 30, 2025, total deposits stood at Rs 1.55 lakh crore as against Rs 1.33 lakh crore in the previous year – a growth of 16% YoY. The CASA deposits stood at Rs 41,858 crore and CASA Ratio stood at 27.1%.
The retail term deposits stood at Rs 63,661 crore, growing 34% YoY while retail deposit to total deposit ratio stood at 68%.
Advances
As of June 30, 2025, gross advances stood at Rs 1.34 lakh crore as against Rs 1.26 lakh crore in the previous year – a growth of 6% YoY. On a YoY basis, retail book (other than housing) grew 78%, wholesale banking grew 32% and the housing book showed a growth of 15%. EEB Book shrank by 15% during this period.
Asset Quality
The collection efficiency for EEB loans stood at 97.6% for the quarter ended June 30, 2025. The bank's Gross Non-Performing Assets (NPA) was 5.0% in Q1 FY26 while Net NPA was 1.4% in Q1FY26.
Provision Coverage Ratio (PCR) as of June 30, 2025 stood at 73.7%. Including the write-off PCR stood at 87.3%.
Capital Adequacy
As of June 30, 2025, the Bank's capital adequacy ratio, including profits, stood at 19.4% as against a regulatory requirement of 11.5%.
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