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Bandhan Bank (BANDHANBNK) investor relations material
Bandhan Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary18 Jul, 2025
Executive summary
Net profit for Q1 FY26 was ₹372 crore, up 17% sequentially but down 65% year-over-year; deposits grew 16% YoY to ₹1.55 lakh crore and gross advances rose 6% YoY to ₹1.34 lakh crore.
Secured book share increased from 43% to over 52% YoY, with secured book growing 29% YoY; non-EV portfolio now 60% of advances, up from 51% a year ago.
98% of retail transactions are digital, with 92% of savings accounts opened digitally; digital initiatives in collections and deposit mobilization expanded.
Strategic focus on deposit granularity, secured lending, digital transformation, and operational efficiency to drive future growth.
Distribution network expanded to nearly 6,350 outlets, serving 31.4 million customers across 35 states and UTs.
Financial highlights
Gross advances at ₹1.34 lakh crore (₹1,336.2 bn), up 6% YoY but down 2.5% QoQ; deposits at ₹1.55 lakh crore (₹1,546.7 bn), up 16% YoY and 2.3% QoQ.
Net interest income for Q1 FY26 at ₹2,757 crore (₹27.6 bn), down 8% YoY and flat sequentially; net profit at ₹372 crore, down from ₹606 crore YoY but up from ₹318 crore QoQ.
Non-interest income grew 33% YoY, driven by treasury gains and third-party product income.
Operating profit was ₹1,668 crore, down 14% YoY but up 6% sequentially; operating expenses rose 14% YoY.
CASA ratio at 27.1%, down 630 bps YoY; retail deposits form 68% of total deposits.
Outlook and guidance
Management expects gradual recovery in the EV segment in H2 FY26 as regulatory and industry discipline stabilizes.
FY26 overall loan growth targeted at 10%, with EV portfolio growth of 5–8% and non-EV segments expected to grow faster.
Credit cost guidance maintained at 2.5% for FY26, with further improvement expected in H2.
NIM expected to face further compression in Q2, with stabilization anticipated in H2 as cost of funds benefits materialize.
Strong capital adequacy (CRAR 19.4%) supports future growth plans.
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Next Bandhan Bank earnings date
Q2 25/2630 Oct, 2025
Next Bandhan Bank earnings date
Q2 25/2630 Oct, 2025
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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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