Bandhan Bank Limited — Investor Meet, 28-01-2026: Analysts/Institutional Investor Meet/Con. Call Updates

Bandhan Bank's Q3FY26 earnings call shows strengthening. Gross advances hit 1,45,000 Cr (+10% YoY), deposits 1,57,000 Cr (+11% YoY). PAT was 206 Cr. NIM rose to 5.9% on lower funding costs. Asset quality improved significantly with Gross NPA at 3.3% and Net NPA at 1.0%, partly from a 3,165 Cr NPA sale. Secured loans now 57% of advances. Management reports EEB stabilization & improving collections (99.6% Nov/Dec). Aim for 1.6-1.7% credit cost by FY27. Digital initiatives and flexible EEB loan tenures/repayments are underway, alongside a Rs 120 Cr gratuity provision. Positive on future NIM and asset quality.