Bandhan Bank has reported a healthy performance for the quarter and year ended March 31, 2025, with steady growth in both advances and deposits, as per its provisional figures.
The bank’s total loans and advances (on-book plus PTC) rose by 10.6% YoY to ₹1,37,902 crore from ₹1,24,721 crore in the same quarter last year. On a sequential basis, loans grew 4.5% QoQ.
Total deposits surged by 11.8% YoY to ₹1,51,209 crore from ₹1,35,202 crore and grew 7.2% QoQ. Retail deposits, including CASA, rose 11.0% YoY and 7.6% QoQ, reaching ₹1,04,153 crore. CASA deposits stood at ₹47,436 crore, though the CASA ratio declined to 31.4% from 37.1% a year ago.
Retail term deposits climbed sharply by 29.9% YoY, while bulk deposits were up 13.7% YoY.
Collection efficiency remained stable with pan-bank collection (excluding NPAs) improving marginally to 97.9% in Q4FY25 from 97.7% in Q3FY25. Segment-wise, the Emerging Entrepreneurs Business (EEB) collection efficiency was 97.7%, while Non-EEB stood at 98.4%.
The Liquidity Coverage Ratio (LCR) stood strong at approximately 177.54% as of March 31, 2025, reflecting robust liquidity.
The data is provisional and subject to audit and board approval. The official audited financial results are expected to follow.
