Bandhan Bank reported a sharp decline in profitability for the quarter ended September 30, 2025, with net profit falling to Rs 111.9 crore (Rs 11,187 lakh) compared to Rs 937.4 crore in the same quarter last year. Sequentially, profit also dropped from Rs 371.96 crore in Q1 FY26, reflecting continued stress in asset quality and elevated provisioning.
During the quarter, the bank’s Gross Non-Performing Assets (GNPA) ratio stood at 5.02%, higher than 4.68% recorded in the year-ago period, indicating a rise in stressed assets. Net NPAs were at 1.37%, nearly flat compared to 1.29% last year.
Total income for the quarter stood at Rs 5,090 crore, up from Rs 4,949.8 crore in the corresponding quarter of the previous year, driven by higher interest income of Rs 5,335 crore.
Operating expenses increased to Rs 1,824 crore, while provisions and contingencies rose to Rs 1,155 crore, impacting bottom-line performance.
YoY Performance
-
Net Profit:
Rs 111.9 crore vs Rs 937.4 crore last year
YoY Change: ▼ ~88.1%Calculation:
(111.9 − 937.4) / 937.4 × 100 ≈ −88.07% -
Gross NPA (GNPA):
5.02% vs 4.68% last year
YoY Change: +34 bps (0.34%) -
Net NPA (NNPA):
1.37% vs 1.29% last year
YoY Change: +8 bps (0.08%)
The bank continues to navigate a high-cost credit environment, and asset quality trends will remain a key focus for investors in the coming quarters.
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