Bandhan Bank Net Profit Down by 65% in June Quarter
By Ankur Chandra | Published at: Jul 18, 2025 07:25 PM IST
Kolkata, July 18, 2025 – Bandhan Bank Limited (NSE: BANDHANBNK, BSE: 541153) reported a 17% sequential rise in its Profit After Tax (PAT) for the quarter ended June 30, 2025 (Q1FY26), reaching ₹372 crore compared to ₹318 crore in Q4FY25. However, the PAT sharply declined 65% year-on-year from ₹1,063 crore in Q1FY25 due to elevated provisions.
Key Financial Highlights
| Particulars | Q1FY26 | Q4FY25 | Q1FY25 | QoQ Growth | YoY Growth |
|---|---|---|---|---|---|
| Advances (₹ Cr) | 1,33,625 | 1,36,995 | 1,25,619 | -2% | 6% |
| Deposits (₹ Cr) | 1,54,666 | 1,51,212 | 1,33,207 | 2% | 16% |
| Net Interest Income (₹ Cr) | 2,757 | 2,756 | 2,987 | 0% | -8% |
| Net Total Income (₹ Cr) | 3,483 | 3,456 | 3,533 | 1% | -1% |
| Operating Profit (₹ Cr) | 1,668 | 1,571 | 1,941 | 6% | -14% |
| Net Profit (₹ Cr) | 372 | 318 | 1,063 | 17% | -65% |
| Gross NPA (%) | 5.0% | 4.7% | 4.2% | NA | NA |
| Net NPA (%) | 1.4% | 1.3% | 1.1% | NA | NA |
Net Interest Margin (NIM) for the quarter stood at 6.4%, remaining flat sequentially.
Segmental & Asset Quality Performance
- Retail (ex-Housing) book rose 78% YoY, while Wholesale Banking grew by 32% and Housing by 15%.
- EEB (Emerging Entrepreneurs Business) book contracted 15% YoY.
- Collection Efficiency for EEB loans was 97.6%.
- Provision Coverage Ratio (PCR) stood at 73.7%; including write-offs, PCR was 87.3%.
Deposits & CASA Metrics
- Total deposits surged to ₹1.55 lakh crore, a 16% YoY increase.
- CASA deposits were ₹41,858 crore with a CASA ratio of 27.1%.
- Retail Term Deposits stood at ₹63,661 crore, rising 34% YoY.
- Retail deposit share (CASA + Retail TD) was 68% of total deposits.
Capital & Distribution
- Capital Adequacy Ratio (CAR) as of June 30, 2025, stood at 19.4%, well above the 11.5% regulatory requirement.
- The bank’s distribution network spans 6,350 outlets across 35 states and UTs.
- Customer base stood at 3.14 crore, supported by over 73,000 employees.
Management Commentary
Partha Pratim Sengupta, MD & CEO of Bandhan Bank, stated: “Bandhan Bank has delivered a sequentially improving performance in Q1 FY26, marked by strong growth in deposits and continued momentum in Retail & Wholesale banking. While the operating environment poses certain challenges, our performance reflects the underlying resilience of our business and the strength of our strategic direction.”
Bandhan Bank Stock Performance
Bandhan Bank shares closed at ₹185.40, representing a 0.11% gain on July 18, 2025. Over the last year, Bandhan Bank shares have declined 5.3%, increased 15.9% year-to-date, and decreased 2.57% in the previous month. Bandhan Bank Ltd is currently trading with a market capitalisation of ₹30,150 crore.
The stock opened at ₹184.64 and remained within a narrow intraday range, fluctuating between ₹183.88 and ₹188.15. Over the last year, the stock has seen a 52-week high of ₹222.31 and a low of ₹128.16, reflecting significant price movement.
About Bandhan Bank
Bandhan Bank Ltd, incorporated in 2015, is a fast-growing private sector bank listed on NSE and BSE. With a pan-India presence and a focus on financial inclusion, the bank provides diversified services across retail, housing, MSME, and wholesale banking. As of June 30, 2025, the bank reported total deposits of ₹1.55 lakh crore and gross advances of ₹1.34 lakh crore.
REF: https://www.bseindia.com/xml-data/corpfiling/AttachLive/020e7688-1edc-4271-9bfe-ccd84df96dc9.pdf
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