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Bandhan Bank
Bandhan Bank (BANDHANBNK) investor relations material
Bandhan Bank Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary22 Jan, 2026
Executive summary
Achieved steady momentum in advances and deposits, with gross advances at ₹1,452.2 bn (up 10% YoY) and deposits at ₹1,567.2 bn (up 11.2% YoY), supported by digital transformation and expanded branch network to 1,831 branches and 4,536 banking units.
Digital transformation advanced, with 98% of retail transactions and 89% of new savings accounts opened digitally, and upgrades to corporate internet banking and real-time transaction monitoring.
Asset quality improved, with GNPA at 3.3% (down from 5.0% QoQ), NNPA at 1.0%, and PCR (including technical write-offs) at 84.3%.
Net profit for Q3 FY26 was ₹206 crore, up 84% QoQ, with operating profit at ₹1,445 crore and robust capital adequacy (CRAR 17.8%, Tier-1 17%).
Significant NPA sales to ARCs and provisions for new labor codes impacted financials.
Financial highlights
Gross advances at ₹1,452.2 bn (up 10% YoY); non-EEB book grew 25.4% YoY; retail assets up 57% YoY; wholesale banking up 32% YoY.
Deposits at ₹1,567.2 bn (up 11.2% YoY); retail term deposits up 36% YoY; CASA ratio at 27.3%.
Net interest margin (NIM) at 5.9% for Q3; net interest income at ₹2,688 crore.
Net profit for Q3 was ₹206 crore, up 89% sequentially; nine-month PAT at ₹689 crore.
Operating profit for Q3 at ₹1,445 crore; total income for Q3 at ₹6,122 crore.
Outlook and guidance
Credit cost guidance of 1.6%-1.7% overall and 2.5%-3% for EEB by FY 2027; improvement expected in coming quarters.
Advances growth guidance of 15%-17% CAGR, with deposit growth to outpace advances over the next 2-3 years.
Focus on operational excellence, digital onboarding, and workforce upskilling, with emphasis on retail deposit mobilization and digital customer journeys.
Management expects to accelerate digital initiatives in Q4 to enhance customer experience and operational efficiency.
Focus remains on building a more resilient and diversified bank for sustainable growth.
Impact of ARC transfers on Q3 GNPA reduction?
Future impact of Labour Codes on employee costs?
Wholesale Banking segment Q3 profitability decline?
Partial view of Summaries dataset, powered by Quartr API
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Next Bandhan Bank earnings date
Q4 25/2629 Apr, 2026
Bandhan Bank
Next Bandhan Bank earnings date
Q4 25/2629 Apr, 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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