Bandhan Bank reported its provisional business figures for the quarter ended June 30, 2025, showing mixed trends in loans and deposits.
According to the disclosure filed with the stock exchanges, the bank’s total loans and advances (on-book plus PTC) stood at ₹1,33,635 crore as of June 30, 2025, reflecting a 6.4% year-on-year (YoY) increase, but a 2.5% quarter-on-quarter (QoQ) decline compared to ₹1,36,995 crore at the end of March 2025.
On the deposit side, the bank saw healthy growth, with total deposits rising to ₹1,54,664 crore, a 16.1% YoY increase and a 2.3% QoQ growth. Retail term deposits grew strongly by 33.6% YoY and 12.2% QoQ, reaching ₹63,658 crore. However, CASA (current account and savings account) deposits fell both annually and sequentially to ₹41,859 crore, marking a 5.8% YoY and 11.8% QoQ decline, resulting in a CASA ratio of 27.06% at the end of the quarter, compared to 33.37% a year ago.
Retail deposits (including CASA) were ₹1,05,517 crore, forming about 68.2% of total deposits, while bulk deposits stood at ₹49,147 crore, increasing 19.6% YoY and 4.4% QoQ. The bank’s liquidity coverage ratio (LCR) remained robust at approximately 178.28% as of June 30.
Collection efficiency remained stable, with the EEB (emerging entrepreneurs business) segment at 97.6%, Non-EEB at 98.1%, and pan-bank efficiency at 97.7%, only marginally lower than the previous quarter.
These figures are provisional and unaudited, and subject to review by the board, audit committee, and statutory auditors.