Bandhan Bank Limited — Investor Meet, 25-07-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Bandhan Bank's Q1 FY26 earnings call detailed a 6% YoY rise in gross advances to INR 134,000 Cr, despite a 15% YoY decline in the EEB portfolio due to strategic controls. Non-EEB loans surged 27% YoY, now 60% of total advances, with secured loans at 52%. Total deposits grew 16% YoY to INR 155,000 Cr. Net Profit was INR 372 Cr. NIM moderated to 6.4%, impacted by portfolio shift and rate cuts, though partly offset by lower funding costs. Asset quality saw slight improvement in slippages. Management expects EEB recovery in H2 FY26 and targets 15-17% overall AUM growth for FY26, focusing on diversification and digital efforts.