Unaudited Financial Figures for the Quarter/ Year ended March 31, 2026.
RESULTS
◆ Monitor Closely
MEDIUM RISK
📅 Filed on BSE: 04 Apr 2026, 12:20 PM IST · BSE ID: 26dd11a1-f058-40a5-81b9-36bb997061d5
View Original BSE Filing (PDF)
💡
In Simple Terms
Bandhan Bank reported Q4 earnings data showing loans dropped and deposits fell year-on-year, but cash deposits and collection efficiency improved.
🤖 AI Summary
- Q4 FY26: Loans & advances declined Rs. 8,229 Crore YoY to Rs. 136,995 Crore (5.9% fall)
- Total deposits fell Rs. 5,512 Crore YoY to Rs. 151,212 Crore, decline of 3.3%
- CASA deposits rose Rs. 4,707 Crore YoY to Rs. 47,437 Crore; CASA ratio improved to 31.37%
- Collection efficiency improved to 98.9% pan-bank in March 2026 from 98.1% in December 2025
- LCR at 131.76%; provisional unaudited figures subject to audit committee and statutory audit
🔢 Key Numbers — exact figures from BSE filing, not rounded
Loans & Advances (On book + PTC)
Rs. 136,995 Crore
-5.9%
Total Deposits
Rs. 151,212 Crore
-3.3%
CASA Deposits
Rs. 47,437 Crore
+10.9%
CASA Ratio
31.37%
+410 bps
Collection Efficiency (Pan Bank)
98.9%
+80 bps
Retail Deposits to Total Deposits
68.88%
🏢 How This Affects the Company
Loan portfolio contraction of Rs. 8,229 Crore YoY indicates reduced lending activity or portfolio rightsizing. Deposit base erosion of Rs. 5,512 Crore suggests competitive pressure in deposit mobilization, though CASA growth signals improved deposit quality.
Declining advances and deposits compress the asset-liability base, affecting net interest margin and fee income. Improved CASA ratio (31.37% vs. 27.26% prior year) strengthens core funding and reduces cost of deposits. LCR of 131.76% confirms liquidity adequacy above regulatory 100% minimum.
Collection efficiency improvement to 98.9% reflects enhanced asset quality management. Bulk deposit decline of 6.9% YoY coupled with retail deposit growth (68.88% of total) indicates shift toward costlier, volatile funding sources.
Shrinking loan portfolio and deposit base reduce revenue-generating capacity. Bulk deposit contraction (6.9% YoY decline) and rising retail deposit dependency increase refinancing risk and cost pressure. Asset-to-deposit ratio tightening requires active liability management.
👥 What This Means For Shareholders
✅
Action Required
Await audited Q4 FY26 results and management commentary on loan contraction drivers and deposit mobilization strategy.
👤
Who Is Affected
All shareholders holding equity in Bandhan Bank. Asset contraction reduces net interest income and return on assets. Deposit decline constrains growth and increases funding costs.
🔍
Management Signal
Portfolio rightsizing prioritizes asset quality (improving collection efficiency) over growth. CASA focus signals intent to reduce deposit costs amid competitive environment.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Audited Q4 FY26 financial statements — validate provisional numbers and confirm loan, deposit trends
FY27 Q1 results — track if loan portfolio stabilizes and deposit mobilization accelerates
Management commentary on asset quality NPA levels and deposit strategy in earnings call
MEDIUM RISK
Loan portfolio contraction (5.9% YoY) and deposit erosion (3.3% YoY) signal business headwinds. Bulk deposit weakness and rising retail dependency increase refinancing risk.
💡 Investor Takeaway
Bandhan Bank's Q4 FY26 shows contraction: loans fell Rs. 8,229 Crore YoY to Rs. 136,995 Crore; deposits fell Rs. 5,512 Crore to Rs. 151,212 Crore. CASA improved to 31.37% and collection efficiency rose to 98.9%. Numbers remain provisional pending audit.
⚖️ Strengths & Concerns
✅ Positives
- CASA deposits grew Rs. 4,707 Crore YoY; CASA ratio improved 410 bps to 31.37%, reducing funding cost pressure
- Collection efficiency strengthened to 98.9% pan-bank in March 2026 from 98.1% in December, signaling asset quality stability
⚠️ Concerns
- Loans and advances fell Rs. 8,229 Crore YoY (5.9% decline) to Rs. 136,995 Crore, indicating business contraction
- Total deposits declined Rs. 5,512 Crore YoY (3.3% fall) to Rs. 151,212 Crore, signaling deposit mobilization challenges