Bandhan Bank's Loan Portfolio Increases by 6.4% y-o-y in June Quarter
By Shishta Dutta | Published at: Jul 4, 2025 11:40 AM IST
Kolkata, July 4, 2025 – Bandhan Bank Ltd (NSE: BANDHANBNK, BSE: 541153) reported provisional operational metrics for the quarter ended June 30, 2025, showcasing steady deposit growth but a sequential dip in loans and CASA base. On year-on-year basis its loan portfolio increased by 6.4%.
Key Financial Highlights (₹ in crore)
| Metrics | Q1 FY25 (Jun 2024) | Q4 FY25 (Mar 2025) | Q1 FY26 (Jun 2025)* | YoY Growth | QoQ Growth |
|---|---|---|---|---|---|
| Loans & Advances (On book + PTC) | 1,25,619 | 1,36,995 | 1,33,635 | 6.4% | -2.5% |
| Total Deposits | 1,33,207 | 1,51,212 | 1,54,664 | 16.1% | 2.3% |
| CASA Deposits | 44,456 | 47,437 | 41,859 | -5.8% | -11.8% |
| Retail Term Deposits | 47,652 | 56,719 | 63,658 | 33.6% | 12.2% |
| Retail Deposits (incl. CASA) | 92,108 | 1,04,156 | 1,05,517 | 14.6% | 1.3% |
| Bulk Deposits | 41,099 | 47,056 | 49,147 | 19.6% | 4.4% |
| CASA Ratio (%) | 33.37% | 31.37% | 27.06% | – | – |
| Retail to Total Deposits (%) | 69.15% | 68.88% | 68.22% | – | – |
| Bulk to Total Term Deposits (%) | 46.31% | 45.34% | 43.57% | – | – |
*Provisional & unaudited figures as on June 30, 2025.
- Liquidity Coverage Ratio (LCR) stood robust at 178.28% as on June 30, 2025.
Collection Efficiency: Stable Across Segments
The bank’s Pan Bank Collection Efficiency (excluding NPAs) remained resilient:
| Segment | Mar 31, 2025 | Jun 30, 2025 |
|---|---|---|
| EEB | 97.8% | 97.6% |
| Non-EEB | 98.3% | 98.1% |
| Pan Bank Total | 97.9% | 97.7% |
Strategic Outlook
Despite a marginal QoQ dip in loans and advances, Bandhan Bank saw strong traction in deposit mobilization, particularly retail term deposits, which surged over 12% sequentially. However, a notable pressure point was the declining CASA base, which fell nearly 12% QoQ, pulling the CASA ratio down to 27.06%.
About the Company
Bandhan Bank Ltd is a listed private sector bank headquartered in Kolkata, catering primarily to underbanked and underserved segments. The bank is listed on NSE and BSE under the ticker BANDHANBNK. It has a diversified portfolio spanning microbanking, retail, and SME segments.
REF: https://nsearchives.nseindia.com/corporate/BANDHANBNK_03072025211948_Bandhan_Bank_Initial_Disclosure_30062025_sd.pdf
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