Bandhan Bank Limited submitted its unaudited financial results for Q2 and half-year ended September 30, 2026 to BSE Limited and National Stock Exchange of India Limited pursuant to Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The disclosure was made via letter reference BBL/SEC/190/2026-27 dated October 28, 2026, accompanied by an investor presentation.

Key Financial Performance Highlights (Q2FY27):

Advances Performance:

  • Gross Advances: ₹1,583.7 billion (includes PTC of ₹2.66 billion)
  • YoY Growth: 13.1%
  • QoQ Growth: 1.8%
  • Secured Mix: 57.3% (improved 237 bps YoY and 42 bps QoQ)
  • Non-EEB Book: ₹1,057.5 billion (19.8% YoY growth, 2.8% QoQ growth)
  • Share of Non-East: 62.4% (-4 bps YoY, +24 bps QoQ)

Deposits Performance:

  • Total Deposit: ₹1,726.9 billion
  • YoY Growth: 9.2%
  • QoQ Growth: 4.7%
  • CASA Ratio: 26.7% (-125 bps YoY, -269 bps QoQ)
  • Retail Deposits: ₹1,254.7 billion (11.9% YoY growth, 2.9% QoQ growth)
  • Share of Non-East: 45.6% (+10 bps YoY, +216 bps QoQ)

Asset Quality:

  • GNPA Ratio: 3.1% (-191 bps YoY, -3 bps QoQ)
  • NNPA Ratio: 0.9% (-45 bps YoY, -1 bps QoQ)
  • PCR: 71.2% (-252 bps YoY, +12 bps QoQ)
  • PCR including SR provision: 74.3% (stable QoQ)
  • Credit Cost: 1.8% (-156 bps YoY, +2 bps QoQ)

Profitability Metrics:

  • Net Interest Income (NII): ₹29.6 billion (14.4% YoY growth, 1.4% QoQ growth)
  • Total Revenue (Net): ₹36.7 billion (16.9% YoY growth, 4% QoQ growth)
  • Operating Profit: ₹15.6 billion (18.8% YoY growth, 14.6% QoQ growth)
  • Profit After Tax (PAT): ₹6.2 billion (455.7% YoY growth, 23.9% QoQ growth)
  • Net Interest Margin (NIM): 6.1% (+30 bps YoY, -9 bps QoQ)
  • Operating Expenses to Assets: 4.1% (+28 bps YoY, -22 bps QoQ)
  • Return on Assets (ROA): 1.2% (+97 bps YoY, +21 bps QoQ)
  • Return on Equity (ROE): 9.3% (+753 bps YoY, +158 bps QoQ)

Business Segment Performance:

Gross Advances Mix:

  • Emerging Entrepreneurs Business (EEB): 33.9% of gross advances
  • Housing Finance, Retail Assets, and Wholesale Banking comprise the remaining portfolio

Emerging Entrepreneurs Business (EEB):

  • Collection Efficiency improved to 99.3% in Q2FY27 from 98.9% in Q1FY27
  • Top states performance: West Bengal (99.4%), Assam (99.5%), Rest of India (99.2%)
  • Customer Paying Profile: Full Paying customers 97.7% (98.3% of receivables), Partial Paying 1.6% (1.1% of receivables), Non-Paying 0.8% (0.6% of receivables)
  • EEB Stress-Pool Total: ₹39.6 billion (-0.5% QoQ, -32.4% YoY)
  • EEB Provisions Total: ₹30.0 billion (0.1% QoQ, -32.9% YoY)
  • PCR % (Total Provisions as % of Stress pool): 75.8%

Average Balances (Q2FY27):

  • Total Average Advances: ₹1,527.9 billion (0.9% QoQ growth, 14.7% YoY growth)
  • EEB: ₹522.6 billion (-0.4% QoQ, 0.4% YoY)
  • Housing Finance: ₹344.1 billion (-0.6% QoQ, 5.4% YoY)
  • Retail Assets: ₹163.9 billion (5.1% QoQ, 43.7% YoY)
  • Wholesale Banking: ₹496.8 billion (4.1% QoQ, 34.4% YoY)
  • Total Average Deposits: ₹1,603.7 billion (2.4% QoQ, 5.2% YoY)
  • CASA: ₹406.2 billion (-2.9% QoQ, 4.3% YoY)
  • Term Deposit: ₹1,197.5 billion (4.3% QoQ, 5.5% YoY)

Financial Statement Details:

Profit & Loss Statement (Q2FY27):

  • Interest Income: ₹57.5 billion (2.2% QoQ, 7.5% YoY)
  • Interest Expenses: ₹27.9 billion (3.1% QoQ, 1.0% YoY)
  • Non-Interest Income: ₹7.1 billion (16.7% QoQ, 29.0% YoY)
  • Processing Fees: ₹2,511 million (30.3% QoQ, 29.6% YoY)
  • Third Party Income: ₹1,555 million (25.9% QoQ, 26.0% YoY)
  • Product/Service Charges: ₹1,235 million (-9.0% QoQ, 33.8% YoY)
  • Operating Expenses: ₹21.1 billion (-2.6% QoQ, 15.4% YoY)
  • Provision (Std. + NPA): ₹7.2 billion (5.1% QoQ, -37.7% YoY)
  • Profit before tax: ₹8.4 billion (24.1% QoQ, 431.4% YoY)
  • Tax: ₹2.2 billion (24.7% QoQ, 372.6% YoY)

Half-Year Performance (H1FY27 vs H1FY26):

  • Interest Income: ₹113.8 billion vs ₹108.3 billion (+5.1%)
  • Net Interest Income: ₹58.8 billion vs ₹53.5 billion (+10.0%)
  • Non-Interest Income: ₹13.1 billion vs ₹12.7 billion (+2.9%)
  • Operating Profit: ₹29.2 billion vs ₹29.8 billion (-2.1%)
  • Profit after tax: ₹11.2 billion vs ₹4.8 billion (+132.0%)

Balance Sheet (as of September 30, 2026):

  • Shareholders Funds: ₹264.7 billion (6.4% YoY growth)
  • Deposits: ₹1,726.9 billion (9.2% YoY growth)
  • Borrowings: ₹100.1 billion (23.3% YoY growth)
  • Total Assets: ₹2,134.4 billion (9.4% YoY growth)
  • Advances: ₹1,546.0 billion (14.9% YoY growth)
  • Investments: ₹360.8 billion (-21.0% YoY)
  • Cash and balances with RBI: ₹122.0 billion (128.8% YoY growth)

Credit Ratings:

The bank maintains various credit ratings for its financial securities:

  • Security Receipts: RR2, RR3, RR5 ratings by CRISIL
  • Non-Convertible Debenture: ICRA AA- (Stable), CRISIL AA-/Stable
  • Certificate of Deposit: CRISIL A1+, ICRA A1+

Digital Adoption:

The presentation highlights digital adoption metrics but specific numerical data is not quantified in the disclosed content.

Management and Board:

The document lists the complete Board of Directors and Core Management Team with their experience backgrounds, including:

  • Mr. Debasish Panda (Non-Executive Chairman)
  • Partha Pratim Sengupta (Managing Director & CEO)
  • Rajinder Kumar Babbar (Executive Director & Chief Business Officer)
  • Ratan Kumar Kesh (Executive Director & Chief Operating Officer)
  • 10 Independent Directors including RBI nominee Arun Kumar Singh

Awards and Recognition:

  • ET Edge Best BFSI Brands Award 2026
  • Gallup Exceptional Workplace Award 2025
  • DIGIXX Awards 2026 by Adgully for digital lead generation campaign