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Bandhan Bank (BANDHANBNK) investor relations material
Bandhan Bank Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary30 Oct, 2025
Executive summary
Q2 FY2026 performance was below expectations due to margin pressure, elevated slippages in EEB, and slower advances growth, but structural improvements and diversification support confidence for H2 recovery.
The bank is transitioning from a microfinance-focused model to a full-service commercial bank, emphasizing risk management, digital innovation, and customer-centricity.
Expanded to 1,754 branches and 4,593 banking units across 35 states and UTs, serving 32.3 million customers; 98% of retail transactions are digital.
Net profit for Q2 FY26 was ₹112 crore, down 70% YoY; H1 FY26 net profit was ₹484 crore, down 76% YoY.
Focus on operational excellence, workforce upskilling, and digital transformation.
Financial highlights
Gross advances reached ₹1.40 lakh crore, up 7% YoY and 5% sequentially; non-EEB portfolio grew 24% YoY, now 63% of advances.
Total deposits rose to ₹1.58 lakh crore, up 11% YoY, with retail term deposits up 38% YoY; CASA ratio at 28%.
Net Interest Income for Q2 FY26 was ₹2,589 crore, down 12% YoY; operating profit for Q2 was ₹1,310 crore, down 29% YoY; PAT for Q2 was ₹112 crore.
NIM for Q2 FY2026 was 5.8% (6.1% for H1); cost/income ratio at 58.2%.
Non-EEB book grew 23.8% YoY and 9.3% QoQ to ₹883.1 bn.
Outlook and guidance
Expectation of margin improvement from Q4 as deposit repricing benefits flow through; credit cost guidance for EEB at 2.5%-3% by FY2027 exit, overall bank at 1.5%-1.6%.
Emphasis on digital onboarding, customer centricity, and expanding retail deposit base.
Management highlighted a transitional phase, focusing on portfolio diversification and sustainable growth.
What drove the significant increase in provisions?
What is the bank's strategy for loan portfolio mix?
What is the write-off amount from COVID-19 plans?
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Next Bandhan Bank earnings date
Q3 25/2630 Jan, 2026
Next Bandhan Bank earnings date
Q3 25/2630 Jan, 2026
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Frequently asked questions
Bandhan Bank Limited offers banking and financial services including loans, savings, deposits, and microfinance. It primarily serves underbanked and unbanked segments through a large branch and field officer network. The company is headquartered in Kolkata, India, and its shares are listed on the NSE.
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