Bandhan Bank Q4FY26 Investor Presentation: Assets Up 13.7%, Deposits Up 10%
Bandhan Bank's Q4FY26 investor presentation shows advances up 13.7% YoY to ₹1,501.0 billion and deposits up 10.0% YoY to ₹1,663.4 billion. GNPA is at 3.3%, NNPA at 1.0%. PAT grew 68.0% YoY to ₹5.3 billion. CRAR is 18.0%. The bank serves 31.8 million customers with 98% digital retail transactions.
The announcement details significant financial performance metrics, including growth in key areas like advances and deposits, improved asset quality, and substantial PAT growth, which are material for investors and stakeholders.
The bank reported positive growth in advances and deposits, improved asset quality (lower GNPA/NNPA), and significant year-on-year growth in Profit After Tax (PAT), indicating a strong financial performance.
Bandhan Bank Limited has released its investor presentation for the audited financial results for the fourth quarter and financial year ended March 31, 2026. The presentation highlights a robust growth in advances, which increased by 13.7% YoY to ₹1,501.0 billion from ₹1,319.9 billion in the previous year. Deposits also saw significant growth, rising by 10.0% YoY to ₹1,663.4 billion from ₹1,512.1 billion.
The bank's Gross Advances for Q4FY26 stood at ₹1,542.3 billion, a 12.6% YoY increase, with a secured book comprising 56.2% of the total. Total Deposits reached ₹1,663.4 billion, up 10.0% YoY, with Retail Deposits forming 73.7% of the total. The CASA ratio was reported at 29.3%.
Asset quality showed improvement, with the GNPA ratio at 3.3% and NNPA ratio at 1.0% as of March 31, 2026. The Credit Cost for the quarter was 2.0%. Profitability metrics include Net Interest Income (NII) of ₹28.0 billion (1.4% YoY growth), Total Revenue (Net) of ₹35.7 billion (3.2% YoY growth), and Profit After Tax (PAT) of ₹5.3 billion (68.0% YoY growth).
Key strategic highlights include a strong outreach with 1,955 branches and 4,400 EEB Banking Units, serving 31.8 million customers. The bank emphasizes customer centricity and digitization, with 98% of retail transactions being digital. Capital Adequacy Ratio (CRAR) stood at 18.0%, with CET1 at 17.3%. The Cost/Income ratio was 59.6%.
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Bandhan Bank Limited filed this with the NSE as a statutory disclosure, categorised under quarterly results. It is a primary document, not a recommendation, and the desk marks it high impact, which is the band that most often changes something.
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See the model portfoliosA plain-language summary of a public exchange filing by Bandhan Bank Limited. Read the original for the full detail.