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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Bandhan Bank
Bandhan Bank (BANDHANBNK) investor relations material
Bandhan Bank Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary28 Oct, 2026
Executive summary
Q2 FY27 showed broad-based progress in growth, deposit mobilization, portfolio diversification, asset quality and profitability; management described performance as balanced and steady.
Advances reached ₹1,583.7bn, up 13.1% YoY, and deposits ₹1,726.9bn, up 9.2%; PAT was ₹622 crore, up 455.7% YoY from ₹112 crore.
Strategic priorities included a higher secured lending mix, greater retail-deposit share, digital service adoption and stronger asset quality; the network covered 35 States and UTs.
Financial highlights
Q2 NII was ₹2,960 crore, up 14.54% YoY; net total income was ₹3,665 crore, up 17%, and operating profit was ₹1,556 crore, up 18.8%.
Q2 provisions and contingencies fell to ₹718 crore from ₹1,153 crore; PAT was ₹622 crore versus ₹112 crore in Q2 FY26.
H1 FY27 NII was ₹5,881 crore, net total income ₹7,190 crore, operating profit ₹2,915 crore and PAT ₹1,123 crore, up 132% YoY; operating profit declined 2.1%.
Processing fee income grew 30% YoY and third-party distribution income 26%; management expected the stronger fee run-rate to continue in H2.
Outlook and guidance
FY27 loan growth target remains 14%; deposit growth is expected to exceed loan growth and improve in coming quarters.
EEB growth target is 8%-10% in Q3-Q4, with disbursements tracking toward the target after recent declines were arrested.
NIM outlook remains 6.1%-6.2%; Q3 is expected to be largely unaffected by repo-rate changes, with potential Q4 repricing tailwind subject to deposit costs.
Q4 FY27 ROA guidance remains 1.2%-1.4%; medium-term aspiration is 1.6%-1.8%, with timing dependent on performance.
Operating expense-to-assets guidance remains 4.2%; credit cost may moderate from 1.8% to 1.7%, and FY27 PSLC cost is estimated at ₹120 crore.
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Latest events from Bandhan Bank
- Rapid growth and IPO-led capital gains were offset by rising gross NPAs.BANDHANBNK
Q4 17/18 - Deposits surged 92% and FY17 PAT quadrupled, despite rising micro-loan stress.BANDHANBNKQ4 16/17
- Strong balance-sheet growth was offset by COVID-driven provisions and higher NPAs.BANDHANBNKQ4 20/21
- Seven months of banking operations delivered ₹275.25 crore profit and 29.01% CAR.BANDHANBNKQ4 15/16
- FY19 profit rose 45%, while higher NPAs and RBI restrictions remained key challenges.BANDHANBNKQ4 18/19
- Profit and lending surged, but COVID-19 and credit risks clouded the outlook.BANDHANBNKQ4 19/20
- Revenue and lending grew, but heavy provisions sharply reduced FY22 profit.BANDHANBNKQ4 21/22
- Profit rebounded sharply as lower provisions offset rising costs and accelerating diversification.BANDHANBNKQ4 22/23
- Q1 FY27 net profit rose 35% YoY to ₹502 crore, with strong loan growth and improved asset quality.BANDHANBNKQ1 26/27
Next Bandhan Bank earnings date
Q3 26/2721 Jan, 2027
Bandhan Bank
Next Bandhan Bank earnings date
Q3 26/2721 Jan, 2027
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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.