Bandhan Bank Limited announced its unaudited financial results for the third quarter and nine months ended December 31, 2025. The Board of Directors approved these results at a meeting held on January 22, 2026. For the third quarter of FY26, the bank reported a Profit After Tax (PAT) of ₹206 crore, marking an 84% increase compared to the previous quarter. Net revenue for the quarter stood at ₹3,379 crore, up 7.8% sequentially. Net Interest Income (NII) was ₹2,688 crore, a 3.8% increase QoQ, and Net Interest Margin (NIM) was 5.9%. Operating Profit grew by 10.3% QoQ to ₹1,445 crore. Total deposits reached ₹1.57 lakh crore as of December 31, 2025, reflecting an 11% year-on-year growth. Gross Advances grew by 10% YoY to ₹1.45 lakh crore. Secured Advances now constitute nearly 57% of the total loan book, with a 27% YoY growth. The bank's asset quality improved, with Gross NPAs at 3.3% and Net NPAs at 1.0% in Q3 FY26, down from 5.0% and 1.4% respectively in Q2 FY26. The Provision Coverage Ratio (including technical write-offs) was 84.3% as of December 31, 2025. For the nine months ended December 31, 2025, the bank's net revenue was ₹9,997 crore, and PAT stood at ₹689 crore. The Capital Adequacy Ratio (CRAR), including profits, was 17.8%, well above the regulatory requirement of 11.5%. Speaking on the performance, MD & CEO, Partha Pratim Sengupta, highlighted the strengthening fundamentals and steady turnaround, with plans to accelerate digital initiatives in Q4 to enhance customer experience and operational efficiency. The bank aims to build a strong, resilient, and diversified institution for sustainable and profitable growth.
