This document is an investor presentation disclosing the unaudited financial results of Bandhan Bank Limited for the first quarter of fiscal year 2027 (Q1FY27), ended June 30, 2026. It was submitted to the BSE Limited and the National Stock Exchange of India Limited pursuant to Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

Key Financial Performance

Profitability:

  • Net Interest Income (NII) stood at ₹29.2 billion, up 5.9% Year-on-Year (YoY) and 4.5% Quarter-on-Quarter (QoQ).
  • Total Revenue (Net) was ₹35.2 billion, showing a slight increase of 1.2% YoY but a decrease of 1.2% QoQ.
  • Operating Profit was ₹13.6 billion, declining 18.6% YoY and 5.8% QoQ.
  • Profit After Tax (PAT) was ₹5.0 billion, marking a significant increase of 34.9% YoY but a decrease of 6.1% QoQ.

Key Ratios:

  • Net Interest Margin (NIM) was 6.2%, down 16 basis points (bps) YoY but up 2 bps QoQ.
  • Return on Assets (ROA) was 1.0%, improving 20 bps YoY but declining 11 bps QoQ.
  • Return on Equity (ROE) was 7.7%, a significant improvement of 179 bps YoY though it decreased 82 bps QoQ.
  • Operating Expenses to Assets ratio was 4.3%, up 41 bps YoY but down 9 bps QoQ.
  • Credit Cost was 1.8%, showing a substantial improvement, down 167 bps YoY and 15 bps QoQ.

Balance Sheet & Business Growth:

  • Gross Advances reached ₹1,555.6 billion, growing 16.4% YoY and 0.9% QoQ. This figure includes Pass Through Certificates (PTC) of ₹4.03 billion.
  • The secured mix of the advances portfolio improved to 56.8%, up 473 bps YoY and 67 bps QoQ.
  • The Non-EEB (Emerging Entrepreneurs Business) book stood at ₹1,029.1 billion, growing 27.4% YoY and 2.6% QoQ.
  • The share of business from regions outside the East was 62.1% (excluding PTC & IBPC), up 30 bps YoY and 19 bps QoQ.
  • Total Deposits were ₹1,648.9 billion, up 6.6% YoY but down 0.9% QoQ.
  • The CASA Ratio improved to 29.4%, up 234 bps YoY and 9 bps QoQ.
  • Retail Deposits amounted to ₹1,219.6 billion, growing 15.6% YoY though declining 0.5% QoQ.
  • The share of deposits from regions outside the East was 43.5%, down 167 bps YoY and 154 bps QoQ.

Asset Quality:

  • Gross NPA (GNPA) Ratio improved to 3.1%, down 182 bps YoY and 12 bps QoQ.
  • Net NPA (NNPA) Ratio improved to 0.9%, down 43 bps YoY and 4 bps QoQ.
  • Provision Coverage Ratio (PCR) was 71.1%, down 259 bps YoY but stable, up 1 bp QoQ.
  • PCR including Security Receipt (SR) provisions was 74.3%, stable on a QoQ basis.
  • Fresh slippages during the quarter were ₹10.8 billion.
  • Reductions included recoveries & upgrades of ₹4.5 billion and technical write-offs of ₹6.0 billion.
  • NPA sale to an ARC during the quarter amounted to ₹1.7 billion.

Segment Performance - EEB (Emerging Entrepreneurs Business):

  • Collection Efficiency for the quarter (Q1FY27) was 98.9%.
  • The EEB stress pool (SMA1 + SMA2 + NPA) totaled ₹39.8 billion, down 31.0% YoY and up 0.3% QoQ.
  • Total provisions for the EEB book stood at ₹30.0 billion, down 32.0% YoY and 2.6% QoQ.

Network & Distribution:

  • As of June 30, 2026, the bank operated a pan-India network of 2,864 banking outlets.
  • This network comprised 1,045 branches and 1,819 banking units.
  • The distribution of outlets was diversified across regions: Eastern (830), Central (299), Southern (216), Western (255), North Eastern (151), and Northern (237).
  • 33% of outlets were in Rural areas, 37% in Semi-Urban, 18% in Urban, and 12% in Metro areas.

Capital & Liabilities:

  • Shareholders' Funds stood at ₹261.7 billion as of June 30, 2026, up 4.6% YoY.
  • Borrowings increased significantly to ₹133.8 billion, up 119.4% YoY.

Credit Ratings:

  • Security Receipts from portfolio sale to an ARC were rated RR2 (₹2.66 bn), RR3 (₹2.06 bn), and RR4 (₹1.36 bn) by CRISIL.
  • Non-Convertible Debentures were rated [ICRA]AA- (Stable) and CRISIL AA-/Stable.
  • Certificate of Deposit was rated [ICRA] A1+.

Management & Governance:

The presentation lists the Board of Directors, including Non-Executive Chairman Mr. Debasish Panda, Managing Director & CEO Mr. Partha Pratim Sengupta, and other executive and independent directors. It also details the Core Management Team with over a dozen key executives heading various functions.