BANDHAN BANK LIMITED

Operates as a private sector commercial bank that takes deposits and lends across retail, microfinance, wholesale and treasury operations, with retail banking accounting for 81.8% of segment revenue for the nine months ending December 2024. As of Q1FY27, gross advances stood at ₹1.56 lakh crore (up 16% YoY) and deposits at ₹1.65 lakh crore (up 7% YoY), with a CASA ratio of 29.4% and retail deposits making up roughly 74% of total deposits. Retail Banking is the largest revenue contributor, while the bank also runs an Emerging Entrepreneurs Business (EEB) microfinance book whose share of advances has been deliberately capped around 33–35%, with secured loans at about 57% of advances and the non-EEB book at roughly two-thirds of total advances. Treasury generated 9.2% of segment revenue and Wholesale Banking 7.8%, with the latter producing only ₹26.5 crore of EBIT in the period. The bank runs 1,955 branches plus 4,400 EEB banking units (totalling 6,388 outlets as of Q1FY27) and serves about 31.8 million customers across 35 states, with gross NPA at 3.1%, net NPA at 0.9%, NIM at 6.2% and capital adequacy at 18.2%. The principal input cost is the interest paid on deposits and borrowings, with management flagging that cost of funds has risen 20–25 basis points quarter-on-quarter.