Bandhan Bank Limited has submitted to the Exchange, the Unaudited Financial Results for the quarter ended June 30, 2025.
BANDHANBNK · price
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On the reaction day the stock moved 1.4 pts less than Nifty Smallcap 250 and 1.3 pts less than its Private Sector Bank peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Bandhan Bank reported Q1 FY26 net profit of Rs 372 crore, up 17% sequentially from Rs 318 crore in Q4 FY25, but down sharply by 65% from Rs 1,063 crore in Q1 FY25. Net Interest Income fell 8% YoY to Rs 2,757 crore, and operating profit declined 14% YoY to Rs 1,668 crore, mainly because provisions surged to Rs 1,147 crore versus Rs 523 crore a year earlier. Deposits grew a healthy 16% YoY to Rs 1.55 lakh crore and gross advances rose 6% YoY to Rs 1.34 lakh crore, with the secured book share rising from 43% to over 52%. Asset quality weakened slightly with Gross NPA at 5.0% (vs 4.2% YoY) and Net NPA at 1.4%, while Capital Adequacy Ratio remained strong at 19.4% against the 11.5% regulatory minimum. Joint statutory auditors Singhi & Co and V. Sankar Aiyar & Co issued an unmodified limited review report; V. Sankar Aiyar & Co has replaced M M Nissim & Co LLP as one of the joint auditors compared to the prior comparable quarter.
Sequential improvement in profit is positive, but the sharp YoY drop in earnings, declining NIM, and rising provisions signal continued pressure on profitability that may weigh on the stock. Rising NPAs and an audit firm change are additional watchpoints, though strong deposit growth and a healthy capital cushion offer comfort.