Earnings Update Presentation on the Unaudited Financial Results of the Bank, for the quarter ended June 30, 2026.
RESULTS
▲ Positive Development
MEDIUM RISK
📅 Filed on BSE: 21 Jul 2026, 04:23 PM IST · BSE ID: cbbd9925-2c8f-4ca4-9abc-ba59252d4193
View Original BSE Filing (PDF)
💡
In Simple Terms
Bandhan Bank reported higher profits and loan growth in the first quarter of the financial year, with improved asset quality.
🤖 AI Summary
- Bandhan Bank reported a Profit After Tax (PAT) of ₹5.0 bn for Q1 FY27, reflecting a 34.9% YoY increase.
- Gross Advances grew by 16.4% YoY and 0.9% QoQ, reaching ₹1,555.6 bn for the quarter ended June 30, 2026.
- Total Deposits stood at ₹1,648.9 bn, a 6.6% YoY growth, with Retail Deposits contributing 74% of the total.
- Asset quality showed improvement, with Gross Non-Performing Asset (GNPA) ratio at 3.1% and Net NPA ratio at 0.9%.
- Net Interest Income (NII) was ₹29.2 bn, an increase of 5.9% year-over-year in Q1 FY27.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Gross Advances
₹ 1,555.6 bn
16.4%
Total Deposit
₹ 1,648.9 bn
6.6%
Operating Profit
₹ 13.6 bn
-18.6%
🏢 How This Affects the Company
The bank continued its strategic shift towards a higher secured assets mix, which reached 56.8% of Gross Advances, strengthening portfolio resilience. Non-EEB Book Share of Advances increased to 62.1%, up 27.4% YoY, indicating diversification beyond its traditional microfinance segment.
Profit After Tax increased by 34.9% YoY to ₹5.0 bn. Net Interest Income grew by 5.9% YoY to ₹29.2 bn, while Operating Profit decreased by 18.6% YoY to ₹13.6 bn. The Return on Assets (ROA) was 1.0% and Return on Equity (ROE) was 7.7% in Q1 FY27.
The bank reported 98% of retail transactions are digital, and 92% of saving accounts were opened digitally, indicating enhanced digitization capabilities and efficiency. Employee productivity saw an 8.6% YoY increase in business per employee.
Asset quality improved with the GNPA ratio decreasing by 182 bps YoY to 3.1% and NNPA ratio decreasing by 43 bps YoY to 0.9%. This indicates a reduction in credit risk compared to the prior year.
👥 What This Means For Shareholders
✅
Action Required
No action required from shareholders based on this earnings update presentation.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, specifically the 34.9% YoY increase in PAT to ₹5.0 bn, impacting the underlying value of their holdings.
🔍
Management Signal
The presentation signals management's continued focus on portfolio diversification, asset quality improvement, and digital adoption for efficiency and customer satisfaction.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 unaudited financial results — check for sustained advances and PAT growth.
Updates on further portfolio diversification towards secured assets.
Management commentary on deposit growth strategy and CASA ratio trends.
MEDIUM RISK
While asset quality improved, the YoY decline in Operating Profit merits monitoring.
💡 Investor Takeaway
Bandhan Bank's Q1 FY27 saw Gross Advances grow 16.4% YoY to ₹1,555.6 bn and PAT rise 34.9% YoY to ₹5.0 bn. Asset quality improved, with GNPA at 3.1% and NNPA at 0.9%, confirming ongoing efforts in portfolio management and risk reduction.
⚖️ Strengths & Concerns
✅ Positives
- Gross Advances increased by 16.4% YoY to ₹1,555.6 bn, demonstrating healthy loan book expansion.
- Profit After Tax grew 34.9% YoY to ₹5.0 bn, indicating improved profitability compared to the prior year.
⚠️ Concerns
- Operating Profit decreased by 18.6% YoY to ₹13.6 bn, suggesting challenges in cost management or revenue generation efficiency.
- CASA ratio stood at 29.4%, a decrease of 234 bps YoY, indicating a shift in deposit mix towards higher-cost funds.
📅 Company Track Record
In Q1 FY27, Bandhan Bank's unaudited advances rose 16.4% YoY to ₹1,55,513 Crore. This follows FY26, where PAT was ₹1,22,356.27 lakhs (down 55.4% YoY) and a dividend of ₹1.50/share was approved. Q4 FY26 audited PAT was ₹5.3 bn (+68% YoY) and gross advances were ₹1,542.3 bn (+12.6%).
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Bandhan Bank's Profit After Tax (PAT) for Q1 FY27?
Bandhan Bank's Profit After Tax (PAT) for the quarter ended June 30, 2026, was ₹5.0 bn, representing a 34.9% year-over-year increase.
How much did Bandhan Bank's Gross Advances grow in Q1 FY27?
Bandhan Bank's Gross Advances grew by 16.4% year-over-year to ₹1,555.6 bn for the quarter ended June 30, 2026.
What was Bandhan Bank's asset quality (GNPA and NNPA ratios) in Q1 FY27?
In Q1 FY27, Bandhan Bank's Gross Non-Performing Asset (GNPA) ratio was 3.1%, and the Net Non-Performing Asset (NNPA) ratio was 0.9%.
What was Bandhan Bank's Net Interest Income (NII) in Q1 FY27?
Bandhan Bank reported a Net Interest Income (NII) of ₹29.2 bn for Q1 FY27, marking a 5.9% increase year-over-year.
Questions based on this BSE filing only. For information purposes.