Bandhan Bank (BANDHANBNK) investor relations material

Executive summary

• Q4 FY26 saw strong growth in gross advances and deposits, with advances up 13% YoY to ₹1.54 lakh crore and deposits up 10% YoY to ₹1.66 lakh crore, supported by a diversified loan portfolio and increased digital adoption.

• Profit after tax rose 68% YoY to ₹534 crore, with sequential growth of 159%, reflecting significant improvement in profitability.

• Asset quality improved, with GNPA at 3.3% and NNPA at 1.0%, and robust collection efficiency, especially in the EEB segment.

• Retail and CASA deposits grew robustly, now forming 74% of total deposits, with a conscious reduction in high-cost bulk deposits.

• Board recommended a dividend of ₹1.50 per share for FY26.

Financial highlights

• Gross advances reached ₹1,542.3 bn (₹1.54 lakh crore), up 13% YoY; deposits at ₹1,663.4 bn (₹1.66 lakh crore), up 10% YoY.

• Net Interest Income for Q4 FY26 was ₹2,796 crore, up 1.4% YoY; total revenue at ₹3,567 crore, up 3.2% YoY.

• NIM for Q4 FY26 was 6.2%; net profit for Q4 was ₹534 crore, up 68% YoY and 159% QoQ.

• CASA ratio at 29.3%; retail deposits form 73.7% of total deposits.

• Capital adequacy ratio at 18.0%, Tier 1/CET1 at 17.3%.

Outlook and guidance

• Targeting 14-15% credit growth and higher deposit growth for FY27, with focus on retail and CASA.

• NIMs expected to improve by 10-20 bps over the next 2-3 quarters; aim for 6% NIM by FY27 exit.

• ROA guidance of 1.6-1.8% by Q4 FY27, with sequential improvements expected.

• Continued focus on customer-centric, digital-led growth and risk-adjusted expansion.