Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q4 FY26 Earnings Presentation
47 slides from Bandhan Bank's earnings presentation, Apr 28, 2026
Slide 1: Exchange filing cover letter
Ref. No.: BBL/SEC/021/2026-27 April 28, 2026 BSE Limited National Stock Exchange of India Limited Dept. of Corporate Services The Listing Department Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai - 400 001 Mumbai - 400 051 BSE Scrip Co
Slide 2: Investor Presentation Q4FY26
Investor Presentation Q4FY26 28th April 2026
Slide 3: Disclaimer
Disclaimer • This presentation is confidential and may not be copied, published, distributed or transmitted. The information in this presentation is being provided by Bandhan Bank Limited (also referred to as ‘Bank’). By attending a meeting where this presentation is made, or by reading this present
Slide 4: Key Highlights
Key Highlights 3
Slide 5: Strategic Highlights: Q4FY26
Strategic Highlights: Q4FY26 Strong Outreach Universal Bank with Customer Centricity & Capital & Liquidity Productivity & Efficiency Capabilities diversified portfolio Digitization Focus on workforce upskilling Comprehensive financial Seamless customer journeys Strong Capital adequacy and Deepening
Slide 6: Key Financial Highlights: Q4FY26
Key Financial Highlights: Q4FY26 Gross Advances Secured Book Non-EEB Book Share Of Non-East Advances ₹ 1,542.3 bn* 56.2% ₹ 1,003.3 bn 62.0%^ (12.6% YoY & 6.2% QoQ) (571 bps YoY & -56 bps QoQ) (24.7% YoY & 5.4% QoQ) (80 bps YoY & -47 bps QoQ) Total Deposit CASA Ratio Retail Deposits Share Of Non-East
Slide 7: Extensive Pan-India Network with Deep Market Reach
Extensive Pan-India Network with Deep Market Reach Banking outlets Share of Banking Outlets by Region Ladakh 31st Mar’26 Jammu & Kashmir 6,355 outlets 31st Mar’26 Himachal Pradesh 2,864 22 Uttarakhand Chandigarh 33 35 States & UTs 830 Uttar Pradesh Punjab 44 Madhya Pradesh 62 62 Haryana 55 Chhattisg
Slide 8: Bandhan Bank's Journey On Its Strategic Objectives
Bandhan Bank’s Journey On Its Strategic Objectives Portfolio Diversification (Higher Secured Mix) Liability Resilience (Higher Retail Deposits Share) A calibrated shift towards higher secured assets mix has strengthened portfolio resilience and Focused retail deposit strategy driving higher granular
Slide 9: Business & Financial Overview
Business & Financial Overview 8
Slide 10: Gross Advances Mix
Gross Advances Mix All amount in ₹ Bn 12.6% Share of Loan Book 6.2% 0.6% IBPC 1.4% 0.7% 1,542.3 1,452.2 Wholesale 31.4% 1,369.9 10.0 31.4% 20.0 Banking 26.5% 9.8 484.5 10.4% 363.4 456.3 Retail 9.5% 8.0% 110.2 160.9 22.6% 137.6 Housing 23.2% 23.4% 321.1 347.9 337.5 11.8% SBAL 12.1% 14.9% 565.4 500.8
Slide 11: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) EEB Asset Growth (₹ in Bn) Number of Active Borrowers (Mn) -4.7% 7.6% 13.2 12.5 12.4 565.4 539.1 500.8 Mar'25 Dec'25 Mar'26 204.6 182.1 EEB Loan Disbursement (₹ in Bn) 176.2 535.0 536.5 159.4 153.0 360.9 357.0 324.6 151.0 141.7 150.4 375.5 383.5 46.6 39.3 45.8 1
Slide 12: Housing Finance
Housing Finance All amount in ₹ Bn Housing: Product wise break-up Borrowers Bifurcation – Mar’26 Housing: Product wise share 8.4% 41.9% 3.1% 0.6% 0.7% 0.7% 56.7% 347.9 18.6% 21.1% 337.5 22.4% 321.1 2.5 2.3 1.4% 1.9 71.4 77.9 Salaried Professionals Self Employed 59.6 Housing Asset Disbursements 80.8%
Slide 13: Retail Assets
Retail Assets All amount in ₹ Bn Retail Assets: Product wise break-up Retail Assets: Product wise share 46.0% 6.9% 9.9% 10.5% 16.9% 21.6% 16.4% 18.8% 17.2% 18.4% 18.5% 160.9 17.8% 19.2% 16.5% 137.6 17.0 35.1% 37.5% 35.7% 13.6 30.2 110.2 22.5 Mar'25 Dec'25 Mar'26 7.6 Vehicle Personal Gold TD-OD Other
Slide 14: Wholesale Banking
Wholesale Banking All amount in ₹ Bn Wholesale Banking: Product wise break-up FIG, H&E: 95% of outstanding are A- & Above category (as per external rating) As on 31st Mar’26 33.3 % 6.2 % BBB+&Below Others A- 5% 0.3% AAA 3% 4% 484.5 456.3 A 36.9 8% 29.4 AA+ 27.7 A+ 21% 363.4 29.6 21.6 20.4 12% 18.7 4
Slide 15: Geographical Distribution of Loans & Advances
Geographical Distribution of Loans & Advances Share of Loans & Advances by States Share of Loans & Advances by Region 41% 42% 42% 7% 7% 6% 8% 7% 6% 22% 22% 22% 7% 6% 7% 14% 15% 15% 23% 23% 24% 15% 17% 17% Mar'25 Dec'25 Mar'26 9% 9% 9% West Bengal Maharashtra Bihar Gujarat MP Others 15% 14% 14% 5% 5%
Slide 16: Deposits
Deposits Deposits (₹ in Bn) Retail Deposits* (%) *CASA + Retail TD 10.0% 6.1% 68.9% 72.4% 73.7% 1,663.4 1,567.2 Mar'25 Dec'25 Mar'26 1,512.1 438.0 CASA (%) 433.0 470.6 31.4% 27.3% 29.3% 737.9 567.2 706.9 Mar'25 Dec'25 Mar'26 393.5 372.7 Average SA Balance per Account (₹ in 000’) 347.3 80.9 80.0 114.
Slide 17: Geographical Distribution of Deposits
Geographical Distribution of Deposits Share of Deposits by States Share of Deposits by Region 35% 33% 33% 13% 15% 15% 4% 4% 4% 4% 4% 4% 7% 6% 7% 8% 7% 10% 12% 13% 8% 13% 12% 11% 40% 40% 40% 12% 12% 11% 4% 4% 4% Mar'25 Dec'25 Mar'26 West Bengal Maharashtra Uttar Pradesh NCT of Delhi Odisha Others 50%
Slide 18: Average Balances – Advances & Deposits
Average Balances – Advances & Deposits All amount in ₹ Bn Average Advances Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 QoQ % YoY % EEB 555.5 543.1 520.5 515.2 501.0 -2.8% -9.8% Housing Finance 310.8 321.3 326.6 332.4 339.6 2.2% 9.3% Retail Assets 93.2 104.8 114.1 127.8 143.4 12.2% 53.9% Wholesale Banking 344
Slide 19: Geographical Distribution of Banking Outlets
Geographical Distribution of Banking Outlets Banking Outlets Regional Diversification with Strong SU-RU Presence Banking Outlets as on 31st Mar’26 Additional 46 Banking Outlets 11% 33% 18% Metro Urban 6,309 6,367 6,355 38% Semi Urban Rural 1,715 1,831 1,955 Share of Banking Outlets by Region 4,594 4
Slide 20: Asset Quality
Asset Quality 19
Slide 21: Segmental NPA and Credit Cost
Segmental NPA and Credit Cost Segmental GNPA movement (₹ in Bn) Credit Cost 64.4 3.9% 2.7 3.3% 3.0% 2.9% 7.2 2.0% 50.2 48.0 7.2 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 3.5 3.3 5.0 5.8 Gross NPA and Net NPA 9.8 PCR incl. 9.7 74.5% SRs 74.2% 74.2% 73.7% 71.1% PCR 47.2 70.8% 4.7% 30.1 31.1 3.3% 3.3% 1.3% 1.0% 1
Slide 22: NPA movement
NPA movement All amount in ₹ Bn Particulars Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 FY25 FY26 Opening GNPA (A) 61.8 64.4 66.2 70.2 48.0 47.8 64.4 Fresh Slippages (B) 17.5 15.5 15.9 13.1 10.3 53.8 54.8 Reductions (C) : - Recoveries & Upgrades 3.5 3.2 3.2 3.5 3.6 13.1 13.6 - Technical Write offs 11.4 10.5
Slide 23: EEB Collection Efficiency
EEB Collection Efficiency Top states Collection Efficiency for the Month Collection Efficiency for the Quarter States Dec’25 Mar’26 Q3FY26 Q4FY26 Excluding Arrears Excluding Arrears 110.2% 109.8% 99.3% 98.2% 111.8% 95.4% 111.2% West Bengal 98.0% 98.4% 98.3% 99.1% 93.1% 98.6% 98.0% 94.7% 94.3% Assam
Slide 24: EEB DPD movement
EEB DPD movement SMA 0 SMA 1 ₹ 13.3 bn; ₹ 5.7 bn; ₹ 8.6 bn; 2.7% ₹ 5.2 bn; 1.1% ₹ 4.4 bn; ₹ 7.9 bn; Rest of India 1.5 % 0.9 % 0.8 % 1.3% 1.5 % 1.0% 0.8% 0.6% 0.6% 1.1% 0.6% 1.2% 0.4% 0.4% 0.4% 4.6% 0.5% 1.4% Assam 2.3% 2.6% 0.6% 1.1% Mar'25 Dec'25 Mar'26 Mar'25 Dec'25 Mar'26 West Bengal SMA 2 NPA Ov
Slide 25: EEB - Stress Pool and Vintage Analysis
EEB - Stress Pool and Vintage Analysis All amount in ₹ Bn EEB Stress Pool – ₹ 39.7 Bn EEB Book - Vintage Analysis 31st Mar’26 Qtr Disbursement SMA1* SMA2* NPA* 31.1 Q4FY24 228.1 0.1% 0.1% 2.5% Q1FY25 137.2 0.2% 0.2% 3.2% Q2FY25 124.5 0.4% 0.4% 3.7% 4.4 4.2 Q3FY25 122.2 0.5% 0.5% 3.5% Q4FY25 151.0 0.
Slide 26: EEB Book - Steady Progress in Reducing Over-Leverage Risk
EEB Book - Steady Progress in Reducing Over-Leverage Risk As % of EEB advances 63.0% 62.5% 64% 61% 59.4% 61% 61% 59% 22.6% 22.0% 20.8% 21% 19% 21% 19% 19% 10.9% 10.7% 10.4% 10% 10% 10% 10% 9% 5.2% 3.3% 5% 3.2% 5% 5% 5% 5% 2.3% 1.9% 0.8% 0.6% 3% 2% 2% 0.3% 0.2% 2% 2% 2% 2% 2% 2% 2% Bandhan bank Bandh
Slide 27: Financials
Financials 26
Slide 28: Financial Performance (1/2)
Financial Performance (1/2) All amount in ₹ Bn Operating Profit -20.6% Net Interest Income -8.3% -5.8% -0.3% 73.9 58.7 15.7 14.5 14.4 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 PAT -55.4% 1.4% 4.0% 114.9 108.3 68.0% 159.2% 27.5 27.6 26.9 28.0 12.2 3.2 2.1 5.3 Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q3FY26 Q4FY26
Slide 29: Financial Performance (2/2)
Financial Performance (2/2) Spread (Annualized) 13.1% 11.9% 12.0% 13.5% 12.2% 7.2% 5.9% 6.7% 6.5% 7.1% 6.4% 6.8% 5.2% 5.5% 5.4% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Yield Cost of funds (Excl Cap.) Spread Capital Adequacy Ratio NIM (Annualized) Reported CRAR incl. CRAR Tier I Tier II profit 18.7% 18.7% 18.
Slide 30: Break up of Non-Interest Income
Break up of Non-Interest Income All amount in ₹ Mn Details of other Income Q4FY25 Q3FY26 Q4FY26 QoQ YoY FY25 FY26 YoY Processing Fees 2,403 2,148 2,761 28.5% 14.9% 8,294 8,544 3.0% Third Party Income 1,594 1,275 2,137 67.6% 34.1% 3,857 5,485 42.2% P&L on Investment sale and Revaluation 174 254 64 -7
Slide 31: Financial Performance
Financial Performance ROA & ROE (Annualized) Operating expenses to Average Assets (Annualized) ROA ROE 11.6% 4.1% 4.4% 4.0% 4.0% 3.9% 8.5% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Cost to Income Ratio 5.2% 4.8% 3.2% 54.5% 57.2% 59.6% 56.8% 1.5% 48.9% 1.1% 0.7% 0.6% 0.4% Q4FY25 Q3FY26 Q4FY26 FY25 FY26 Q4FY25 Q
Slide 32: Profit & Loss Statement
Profit & Loss Statement All amount in ₹ Bn Particulars Q4FY25 Q3FY26 Q4FY26 QoQ YoY FY25 FY26 YoY Interest Income 54.3 54.3 54.3 -0.1% -0.1% 219.5 216.9 -1.2% Interest expenses 26.8 27.4 26.3 -4.0% -1.7% 104.6 108.6 3.8% Net Int. Income (NII) 27.6 26.9 28.0 4.0% 1.4% 114.9 108.3 -5.8% Non Interest I
Slide 33: Balance Sheet
Balance Sheet All amount in ₹ Bn Capital & Liabilities 31st Mar’25 31st Dec’25 31st Mar’26 YoY Capital 16.1 16.1 16.1 0.0% Employees stock options outstanding 2.5 3.1 3.2 29.5% Reserves & Surplus 227.5 231.8 236.5 3.9% Shareholders Funds 246.1 250.9 255.7 3.9% Deposits 1,512.1 1,567.2 1,663.4 10.0%
Slide 34: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Bn) RR1+ 0.002 RR1 0.004 Security Receipts w.r.t portfolio sale to ARC CRISIL RR4 1.41 Unrated^ 4.73 [ICRA]AA- (Stable) ICRA Non-Convertible Debenture # 12.95** CRISIL AA-/Stable CRISIL CRISIL A1+ CRISIL
Slide 35: Digital Offering and Indices
Digital Offering and Indices 34
Slide 36: Traction evident on key digital indices
Traction evident on key digital indices 98% 88% 58% 93% of retail transactions CBDT Payments RD Saving Accounts are digital digitally Invested digitally opened digitally # 30%* 16%* 2.3X* 31% Growth in UPI Growth in Mutual Funds Online Deposit Contribution transactions Digital Deposits volume Invest
Slide 37: mBandhan 2.0 and New Retail Internet Banking
mBandhan 2.0 and New Retail Internet Banking: Powering the Next Phase of Digital Growth Now Smarter, Faster & Better! Faster, simpler login for easy Simple, intuitive & guided access 3-step registration process A personalized, user-first Smarter and intuitive payment experience journeys List of all
Slide 38: DIY Liability Onboarding: Faster, Smarter and Digital
DIY Liability Onboarding: Faster, Smarter and Digital Neo+ Savings Account through VKYC 100% Full KYC savings account with Multi-variants Digital onboarding journey No branch visits, no Neo+ Fixed Deposit through VKYC paperwork Full KYC fixed deposit. FD account created Do-It-Yourself instantly. 3 i
Slide 39: Merchant Acquiring & Government Solutions
Merchant Acquiring & Government Solutions Key Benefits Fund Disbursement Management System A critical diversification strategy to strengthen Launched in the month of Jan-2026 our POS/QR merchant acquiring ecosystem A comprehensive banking solution designed to streamline government fund Cost effectiv
Slide 40: Our Board & Management
Our Board & Management 39
Slide 41: Strong Independent Board (1/2)
Strong Independent Board Board of Directors (1/2) Dr. Anup Kumar Sinha Partha Pratim Sengupta Ratan Kumar Kesh Non-executive (Independent) Chairman Managing Director & Chief Executive Officer Executive Director & Chief Operating Officer - Economist with Ph.D from University of Southern California, -
Slide 42: Strong Independent Board (2/2)
Strong Independent Board Board of Directors (2/2) Veni Thapar Arun Kumar Singh Independent Director Vijay N Bhatt RBI (Nominee) Additional Director Independent Director - Appointed by RBI as an additional director for one year from June 24, - CA & CMA with over 29 years of extensive experience in 20
Slide 43: Experienced and professional team (1/2)
Experienced and professional team… Core Management Team (1/2) Partha Pratim Sengupta Managing Director & Chief Executive Officer • 40+ years of experience in banking industry • Previously served as MD & CEO of Indian Overseas Bank Rajinder Kumar Babbar Ratan Kumar Kesh Executive Director & Chief Bus
Slide 44: Experienced and professional team (2/2)
Experienced and professional team… Core Management Team (2/2) Pinaki Halder Rajesh Kumar Srivastava Chief Information Officer Head-Liability & Transaction Operations and Operations Support Group • 28+ years of experience in Banking Industry • 30+ years of experience in Banking industry. • Previously
Slide 45: Awards and accolades
Awards and accolades 44
Slide 46: Awards and accolades
Awards and accolades ET Edge Best BFSI Brands Award, 2026: Bandhan Bank has been honoured with one of the Best BFSI Brands 2026 at the 9th Edition of ET Edge Best BFSI Brands, held in Mumbai. The Bank earned its place among India’s leading BFSI brands following a rigorous research-based evaluation c
Slide 47: Thank You
Thank You For information contact: Vikash Mundhra, Head – Investor Relations investor.relations@bandhanbank.com