Bandhan Bank's Q1 FY26 net profit of Rs 372 crore was a 65 percent decrease from Q1 FY25's Rs 1,063 crore.
The bank's overall revenue for the quarter was Rs 6,201.49 crore, which was a slight increase over Q1 FY25's total of Rs 6,081.73 crore.
From Rs 2,987 crore in the same quarter last year, NII fell 8%. For the quarter, the Net Interest Margin (NIM) was 6.4%.
Operating profit amounted at Rs 1,668 crore, lower than Rs 1,941 crore in Q1 FY25. With Rs 1,147 crore set aside for provisions and contingencies in Q1 FY26—much more than the Rs 523 crore set aside in Q1 FY25—the bank's provisioning expenses remained high.
Regarding asset quality, the bank's gross non-performing asset (NPA) ratio increased from 4.2 percent in the same quarter of the previous year to 5.0 percent in Q1 FY26.
The net non-performing asset (NPA) increased from 1.1 percent in FY25 to 1.4 percent. As of June 30, 2025, Bandhan Bank's capital adequacy ratio was 19.4%, which was higher than the 11.5 percent legal threshold. The bank's return on assets (RoA) for the quarter was 0.20 percent, and its total assets were Rs 1,89,403 crore. Business-wise, deposits at Bandhan Bank increased by 16 percent year over year to Rs 1.55 lakh crore. Retail deposits (CASA plus retail term deposits) accounted for 68 percent of the total. The CASA ratio was 27.1% and the CASA deposits were Rs 41,858 crore.
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