Bandhan Bank Limited — PPTs, 28-04-2026: Investor Presentation

Bandhan Bank closed Q4FY26 with solid results: Profit after Tax surged 68% YoY to ₹530 Cr, while total revenue grew 3.2%. Gross Advances increased 12.6% YoY to ₹1,54,230 Cr, driven by strong growth in non-Emerging Entrepreneurs Business (non-EEB) segments, which now comprise 65% of the book. Total Deposits rose 10% YoY to ₹1,66,340 Cr, with retail deposits forming 73.7%.

Strategic shifts towards a higher secured asset mix (now 56.2%) and a deeper retail deposit base are key growth drivers. Digital initiatives are accelerating, with 98% of retail transactions now digital and 93% of savings accounts opened digitally.

Recent developments include launching the enhanced mBandhan 2.0 app and partnering with Hitachi for merchant acquiring, boosting digital offerings. Asset quality improved significantly, with GNPA at 3.3% and NNPA at 1.0%. Management continues to prioritize portfolio diversification, asset quality, and sustainable profitability.