Bandhan Bank provides Q2 FY26 provisional updates: strong retail deposit growth, mixed deposit trends
Bandhan Bank's Q2 FY26 provisional update shows 7.2% YoY growth in loans, 10.9% in total deposits, and strong retail deposit growth. CASA and bulk deposits declined YoY, while collection efficiency improved slightly.
This disclosure provides provisional unaudited numbers for key banking metrics (deposits, advances, and collection efficiency) for the recently concluded quarter. These figures are crucial indicators of the bank's operational performance and financial health, influencing market expectations and investor sentiment, even though they are subject to final review.
The announcement presents a mixed financial picture. While the bank showed healthy year-on-year growth in Loans & Advances and Total Deposits, along with strong growth in Retail Term Deposits and overall Retail Deposits, the year-on-year decline in CASA and Bulk Deposits, and a lower CASA ratio compared to the previous year's corresponding quarter, balance out the positive aspects. Collection efficiency saw a marginal improvement.
Bandhan Bank Limited has disclosed its provisional unaudited numbers for the quarter ended September 30, 2025, which are subject to review by the Audit Committee, Board of Directors, and statutory auditors. The key highlights are: * Loans & Advances (On book + PTC) stood at ₹1,40,062 crore as of September 30, 2025, marking a 7.2% year-on-year (YoY) growth and 4.8% quarter-on-quarter (QoQ) growth. * Total Deposits reached ₹1,57,975 crore, showing a 10.9% YoY increase and 2.1% QoQ increase. * CASA Deposits were ₹44,214 crore, experiencing a 6.5% YoY decline but a 5.6% QoQ growth. * Retail Term Deposits grew strongly by 39.0% YoY and 7.7% QoQ to ₹68,539 crore. * Retail Deposits (including CASA) increased by 16.7% YoY and 6.9% QoQ, totaling ₹1,12,753 crore. * Bulk Deposits were ₹45,222 crore, down 1.5% YoY and 8.0% QoQ. * The Retail to Total Deposits ratio improved to 71.4% from 67.8% YoY and 68.2% QoQ. * The CASA Ratio was 28.0%, down from 33.2% YoY but up from 27.1% QoQ. * The Liquidity Coverage Ratio (LCR) as of September 30, 2025, was approximately 152.68%. * Pan Bank Collection Efficiency (Excluding NPA) for the quarter ended September 30, 2025, showed a marginal improvement, with EEB at 97.8% (vs 97.6% QoQ) and Pan Bank at 98.0% (vs 97.9% QoQ), while Non EEB remained stable at 98.5%.
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