Bandhan Bank Reports Significant Profit Decline for Q2FY26, Releases Investor Presentation
Bandhan Bank's Q2FY26 profit plummeted by 88.1% YoY to ₹1.1 billion, with NII also falling. Advances and deposits grew, and the bank highlighted digital progress and awards.
The announcement of quarterly financial results, particularly with such a significant drop in profitability (88.1% YoY PAT decline), is a high-impact event for investors as it directly affects the company's valuation and future outlook.
The sentiment is negative due to the substantial year-on-year and quarter-on-quarter declines in Net Interest Income, Operating Profit, and especially Profit After Tax. While advances and deposits showed growth, and digital initiatives were highlighted, the core profitability metrics indicate significant underperformance for the quarter.
Bandhan Bank Limited has released its Earnings Update Presentation on the unaudited financial results for the quarter (Q2) and half-year ended September 30, 2025. Key financial highlights for Q2FY26 include: * Net Interest Income (NII) stood at ₹25.9 billion, a decrease of 11.8% year-on-year and 6.1% quarter-on-quarter. * Operating Profit was ₹13.1 billion, down 29.4% year-on-year and 21.5% quarter-on-quarter. * Profit After Tax (PAT) significantly dropped to ₹1.1 billion, an 88.1% decrease year-on-year and 69.9% quarter-on-quarter. * Gross Advances grew to ₹1,400.4 billion, up 7.2% year-on-year and 4.8% quarter-on-quarter. * Total Deposits increased to ₹1,580.7 billion, a rise of 10.9% year-on-year and 2.2% quarter-on-quarter. * Retail Deposits reached ₹1,121.3 billion, growing 16.1% year-on-year and 6.3% quarter-on-quarter. * CASA Ratio was 28.0%, a decline of 521 basis points year-on-year but an increase of 90 basis points quarter-on-quarter. * Gross Non-Performing Assets (GNPA) Ratio was 5.0% and Net Non-Performing Assets (NNPA) Ratio was 1.4%, showing marginal changes. * Provision Coverage Ratio (PCR) was 73.7%. * Capital Adequacy Ratio (CRAR) was 18.6% and CET 1 was 17.8%. The bank also highlighted strategic advancements: * Expanded outreach with 1,754 branches, 4,593 banking units, and 438 ATMs. * Diversified portfolio with Emerging Entrepreneurs Business (EEB) at ~36.9%, Housing & Retail at ~32.5%, and Wholesale Banking at ~29.2% of the book. * Enhanced customer centricity and digitization, with 32.3 million customers, 98% digital retail transactions, and 92% savings accounts opened digitally. * The bank received several awards, including the 2025 Gallup Exceptional Workplace Award, ET NOW Best BFSI Brands Award 2025, and Adgully Marketing & Advertising Awards 2025 for its 'Har Sapna Possible Hai' campaign, and the Assam Rising CSR Award 2024-25.
What to do with a filing like this
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.