Bandhan Bank shares fell 3% in early trade on Thursday following the release of its provisional Q1FY26 business update, which reflected a mixed performance across key financial indicators.
The bank’s total loans and advances stood at ₹1.33 lakh crore as of June 30, 2025, registering a modest 6.4% year-on-year (YoY) growth. However, it marked a 2.5% decline quarter-on-quarter (QoQ), down from ₹1.37 lakh crore in March 2025 — raising concerns about lending momentum.
On the positive side, deposits saw healthy traction. Total deposits rose to ₹1.54 lakh crore, up 16.1% YoY and 2.3% QoQ. Retail term deposits were a strong highlight, surging 33.6% YoY and 12.2% QoQ to ₹63,658 crore. However, CASA deposits declined sharply to ₹41,859 crore, slipping 5.8% YoY and 11.8% QoQ, dragging the CASA ratio down to 27.06% from 33.37% a year ago.
Retail deposits (including CASA) made up 68.2% of total deposits, while bulk deposits rose 19.6% YoY to ₹49,147 crore. Liquidity remained strong with a coverage ratio of 178.28%. Asset quality remained stable, with collection efficiency holding above 97% across segments.
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