Bandhan Bank Limited — PPTs, 22-01-2026: Investor Presentation

Bandhan Bank's Q3 FY26 financial results show Gross Advances climbing to ₹1,45,220 Cr (+10.0% YoY, +3.7% QoQ), largely fueled by a robust 25.4% YoY increase in its non-Emerging Entrepreneurs Business (EEB) book. Total Deposits reached ₹1,56,720 Cr (+11.2% YoY). Net Interest Income stood at ₹2,690 Cr, Operating Profit at ₹1,450 Cr, and Profit After Tax (PAT) was ₹210 Cr (+83.9% QoQ).

The bank is strategically diversifying its loan portfolio, with EEB share reducing to 34.5% as the secured book grew to 56.7%. Digital transformation remains a core focus, evident from 98% digital retail transactions and 89% digitally opened savings accounts. Recent developments include expanding payment gateway partnerships, launching in-app POS solutions, and enhancing Corporate Internet Banking features for seamless digital payments.

Asset quality improved significantly, with Gross NPA at 3.3% and Net NPA at 1.0%, both showing notable QoQ and YoY reductions. The bank maintains a strong capital adequacy with CRAR at 17.8% and continues its focus on operational efficiency.