Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q2 FY2026 Earnings Presentation
43 slides from Bandhan Bank's earnings presentation, Oct 30, 2025
Slide 1: Exchange cover letter for earnings update presentation
Ref. No.: BBL/SEC/133/2025-26 October 30, 2025 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
Slide 2: Investor Presentation Q2FY26
Investor Presentation Q2FY26 30th Oct 2025
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: Q2FY26
Strategic Highlights: Q2FY26 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 Highlights: Q2FY26
Key Highlights: Q2FY26 Gross Advances Secured Book Non-EEB Book Share Of Non-East Advances ₹ 1,400.4 bn* 54.9% ₹ 883.1 bn^ 62.4% (7.2% YoY & 4.8% QoQ) (790 bps YoY & 278 bps QoQ) (23.8% YoY & 9.3% QoQ) (228 bps YoY & 54 bps QoQ) Total Deposit CASA Ratio Retail Deposits Share Of Non-East Deposits ₹ 1
Slide 7: Business & Financial Overview
Business & Financial Overview 6
Slide 8: Gross Advances Mix
Gross Advances Mix All amount in ₹ Bn Share of Loan Book 7.2% 1.4% IBPC 0.0% 1.6% 4.8% Wholesale 29.2% 27.7% 1,400.4 Banking 24.7% 1,306.5 1,336.2 20.0 8.9% 20.8 - Retail 8.3% 5.7% 370.5 408.2 322.2 23.6% Housing 24.4% 75.1 111.0 124.3 22.6% 295.5 13.3% 326.6 330.6 SBAL 14.3% 16.2% 23.6% EEB Group 2
Slide 9: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) Number of Active Borrowers (Mn) EEB Asset Growth (₹ in Bn) -12.7% 13.8 12.9 12.8 -2.0% 592.9 Sep'24 Jun'25 Sep'25 528.1 517.3 EEB Loan Disbursement (₹ in Bn) 211.6 137.3 191.6 124.5 186.2 107.1 38.1 38.8 29.8 381.3 99.2 336.5 331.1 85.7 77.2 Sep'24 Jun'25 Sep'25
Slide 10: Housing Finance
Housing Finance All amount in ₹ Bn Housing: Product wise break-up Borrowers Bifurcation – Sep’25 11.9% 1.4% Housing: Product wise share 1.2% 41.5% 0.6% 0.6% 0.7% 326.6 330.6 57.1% 17.4% 19.1% 19.9% 295.5 2.2 2.1 1.9 62.5 65.8 51.4 Salaried Professionals Self Employed Housing Asset Disbursements 82.0
Slide 11: Retail Assets
Retail Assets All amount in ₹ Bn. Retail Assets: Product wise break-up Retail Assets: Product wise share 65.5% 5.0% 8.3% 9.0% 17.0% 15.9% 16.9% 11.9% 19.9% 17.5% 17.8% 124.3 22.6% 20.0% 18.8% 111.0 11.1 35.6% 38.3% 37.5% 9.2 21.0 17.6 Sep'24 Jun'25 Sep'25 75.1 22.1 Vehicle Personal Gold TD-OD Others
Slide 12: 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 30th Sep’25 26.7% BBB+&Below Others AAA A- 4% 4% A 1% 3% 10.2% 9% AA+ 23% 408.2 A+ 370.5 13% 24.8 322.2 21.6 36.8 40.4 18.6 11.6 17.4 AA-
Slide 13: Geographical Distribution of Loans & Advances
Geographical Distribution of Loans & Advances Share of Loans & Advances by States Share of Loans & Advances by Region 41% 42% 41% 7% 7% 7% 8% 7% 7% 21% 21% 22% 8% 7% 7% 13% 14% 15% 23% 23% 23% 14% 16% 16% Sep'24 Jun'25 Sep'25 9% 10% 9% West Bengal Maharashtra Bihar Gujarat MP Others 16% 15% 15% 5% 5
Slide 14: Deposits
Deposits Deposits (₹ in Bn) Retail Deposits* (%) 10.9% 2.2% 67.8% 68.2% 70.9% 1,546.6 1,580.7 1,425.1 Sep'24 Jun'25 Sep'25 *CASA + Retail TD 459.5 491.5 CASA (%) 459.1 33.2% 27.1% 28.0% 636.6 679.2 493.2 Sep'24 Jun'25 Sep'25 408.5 353.9 365.3 Average SA Balance (₹ in 000’) 64.3 64.7 76.8 1.9 1.6 1.6
Slide 15: Geographical Distribution of Deposits
Geographical Distribution of Deposits Share of Deposits by States Share of Deposits by Region 35% 33% 33% 4% 4% 4% 4% 4% 4% 15% 14% 15% 5% 7% 7% 12% 11% 12% 8% 8% 7% 40% 41% 40% 13% 12% 12% 10% 12% 12% Sep'24 Jun'25 Sep'25 4% 4% 4% West Bengal Maharashtra Uttar Pradesh NCT of Delhi Odisha Others 50%
Slide 16: Geographical Distribution of Banking Outlets
Geographical Distribution of Banking Outlets Banking Outlets Regional Diversification with Strong SU-RU Presence Banking Outlets as on 30th Sep’25 11% Additional 50 Banking Outlets 34% 18% 6,297 6,344 6,347 37% 1,703 1,750 1754 Metro Urban Semi-Urban Rural Share of Banking Outlets by Region 4,594 4,
Slide 17: Asset Quality
Asset Quality 16
Slide 18: Segmental NPA and Credit Cost
Segmental NPA and Credit Cost All amount in ₹ Bn. Segmental GNPA movement (₹ in Bn) Credit Cost 70.2 66.2 3.0 61.0 3.3 8.7 3.5% 1.6 3.4% 3.4% 7.3 11.0 9.1 2.0% 1.8% 8.1 5.8 Q2FY25 Q1FY26 Q2FY26 H1FY25 H1FY26 Gross NPA and Net NPA PCR 73.7% 73.7% 73.5% 47.5 49.4 42.6 4.7% 5.0% 5.0% 1.3% 1.4% 1.4% Sep
Slide 19: NPA movement
NPA movement Particulars Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 FY24 FY25 Opening GNPA (A) 53.0 61.0 61.8 64.4 66.2 53.0 47.8 Fresh Slippages (B) 11.1 16.2 17.5 15.5 15.9 51.0 53.8 Reductions (C) : - Recoveries & Upgrades 3.0 2.8 3.5 3.2 3.2 16.2 13.1 - Technical Write offs 0.1 12.7 11.4 10.5 8.7 38.5 2
Slide 20: EEB Collection Efficiency
EEB Collection Efficiency Top states Collection Efficiency for the Month Collection Efficiency for the Quarter States Jun’25 Sep’25 Q1FY26 Q2FY26 Excluding Arrears Excluding Arrears 110.1% 108.3% 97.8% 97.6% West Bengal 98.4% 97.5% 98.2% 98.1% 110.5% 109.4% 92.3% 91.9% 97.7% 97.5% 92.5% 91.8% Assam
Slide 21: EEB DPD movement
EEB DPD movement SMA 0 ₹ 15.8 bn; SMA 1 3.1% ₹ 5.3 bn; ₹ 5.3 bn; ₹ 10.1 bn; 1.7% ₹ 5.6 bn; 1.0% 1.0% ₹ 8.8 bn; 1.9% 0.9% Rest of India 1.9% 1.5% 1.6% 1.2% 1.1% 1.2% 2.0% 0.9% 0.6% 4.6% 0.5% 0.5% 0.7% 2.6% 0.9% Assam 0.8% 0.6% 0.8% Sep'24 Jun'25 Sep'25 Sep'24 Jun'25 Sep'25 West Bengal SMA 2 NPA ₹ 47.
Slide 22: EEB - Stress Pool and Vintage Analysis
EEB - Stress Pool and Vintage Analysis All amount in ₹ Bn. EEB Stress Pool - ₹ 58.6 Bn EEB Book - Vintage Analysis Qtr Disbursement SMA1* SMA2* NPA* 49.4 Q2FY24 169.4 0.1% 0.1% 2.5% Q3FY24 174.3 0.2% 0.2% 3.9% 5.3 Q4FY24 228.1 0.4% 0.3% 5.2% 3.9 Q1FY25 137.2 0.5% 0.4% 5.3% Q2FY25 124.5 0.6% 0.5% 3.8
Slide 23: Asset Quality: Strong focus on borrower affordability
Asset Quality: Strong focus on borrower affordability Lender Analysis 64% 61% 61% 61% 58.8% 59.4% Sharp decrease in other Lenders QoQ 19% 19% 21% 20.7% 20.8% 19% 10% 10% 9% 10% 10.5%10.4% 5% 5% 5% 5% 5.4%5.2% 3% 2% 2% 2% 2.5% 2% 2% 2% 2% 2.1% 2.3% 1.9% Bandhan bank Bandhan + 1 Bandhan + 2 Bandhan +
Slide 24: Financials
Financials 23
Slide 25: Financial Performance (1/2)
Financial Performance (1/2) All amount in ₹ Bn. Operating Profit -21.5% -29.4% Net Interest Income -21.5% -9.7% 38.0 29.8 18.6 16.7 13.1 -11.8% Q2FY25 Q1FY26 Q2FY26 H1FY25 H1FY26 PAT -75.8% -6.1% 59.2 53.5 -88.1% 29.3 -69.9% 20.0 27.6 25.9 9.4 3.7 1.1 4.8 Q2FY25 Q1FY26 Q2FY26 H1FY25 H1FY26 Q2FY25 Q1
Slide 26: Financial Performance (2/2)
Financial Performance (2/2) Spread (Annualized) 13.7% 12.7% 13.8% 12.4% 12.1% 7.0% 6.7% 7.0% 5.7% 6.9% 7.0% 6.8% 7.0% 5.4% 5.2% Q2FY25 Q1FY26 Q2FY26 H1FY25 H1FY26 Yield Cost of funds (Excl Cap.) Spread Capital Adequacy Ratio NIM (Annualized) 19.1% 18.2% 14.3% 0.8% 0.8% 0.7% 7.4% 7.5% 19.4% 18.6% 18.
Slide 27: Break up of Non-Interest Income
Break up of Non-Interest Income All amount in ₹ Mn. Details of other Income Q2FY25 Q1FY26 Q2FY26 QoQ YoY H1FY25 H1FY26 YoY Processing Fees 1,976 1,698 1,937 14.1% -2.0% 3,963 3,635 -8.3% Third Party Income 832 838 1,234 47.3% 48.4% 1,318 2,072 57.3% P&L on Investment sale and Revaluation 948 2,507 1
Slide 28: Financial Performance
Financial Performance ROA & ROE (Annualized) Operating expenses to Average Assets (Annualized) ROA ROE 17.3% 3.8% 3.9% 3.8% 3.7% 3.8% 15.8% Q2FY25 Q1FY26 Q2FY26 H1FY25 H1FY26 Cost to Income Ratio 5.9% 3.8% 58.2% 55.0% 2.3% 47.6% 52.1% 46.4% 2.1% 1.8% 0.8% 0.5% 0.2% Q2FY25 Q1FY26 Q2FY26 H1FY25 H1FY26
Slide 29: Profit & Loss Statement
Profit & Loss Statement All amount in ₹ Bn. Particulars Q2FY25 Q1FY26 Q2FY26 QoQ YoY H1FY25 H1FY26 YoY Interest Income 55.0 54.8 53.5 -2.2% -2.7% 110.4 108.3 -1.9% Interest expenses 25.7 27.2 27.7 1.7% 7.8% 51.2 54.8 7.2% Net Int. Income (NII) 29.3 27.6 25.9 -6.1% -11.8% 59.2 53.5 -9.7% Non Interest
Slide 30: Balance Sheet
Balance Sheet All amount in ₹ Bn. Capital & Liabilities 30 Sep’24 31 Mar’ 25 30 Sep’25 YoY Capital 16.1 16.1 16.1 0.0% Employees stock options outstanding 0.6 2.5 2.9 351.2% Reserves & Surplus 220.4 227.5 229.7 4.2% Shareholder Funds 237.1 246.1 248.7 4.9% Deposits 1,425.1 1,512.1 1,580.7 10.9% Borr
Slide 31: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Bn) RR1+ 0.002 Security Receipts w.r.t portfolio sale to ARC RR1 CRISIL 0.004 RR4 1.38 [ICRA]AA- (Stable) ICRA Non-Convertible Debenture # 12.95** CRISIL AA-/Stable CRISIL CRISIL A1+ CRISIL Certificate o
Slide 32: Digital Offering and Indices
Digital Offering and Indices 31
Slide 33: Traction evident on key digital indices
Traction evident on key digital indices 98% 92% 73% 94% of retail transactions Saving Accounts Mutual Funds CBDT Payments are digital opened digitally # Invested digitally digitally 47%* 101%* 57%* 44%* Growth in Growth in Growth in Savings Accounts Growth in UPI Bill Payments Digital Deposits Opene
Slide 34: Expanding Digital Footprint: WhatsApp Banking & Digital Collections Solution
Expanding Digital Footprint: WhatsApp Banking & Digital Collections Solution 1 WhatsApp Banking 2 Digital Collection Solutions Via QR Code Scan WhatsApp Banking Activation & De- activation Enable Loan repayments using QR code scan through any UPI enabled Account Services like balance enquiry, app li
Slide 35: Expanding Digital Footprint: Corporate Solutions & Agency Business
Expanding Digital Footprint: Corporate Solutions & Agency Business Merchant Acquiring Business & Corporate Solutions Agency Business We are authorized as an Agency Bank to collect Central tax Enhancing features of merchant offering by (Direct & Indirect) payments providing Integrated Collection onbo
Slide 36: Our Board & Management
Our Board & Management 35
Slide 37: Strong Independent Board
Strong Independent Board Board of Directors Partha Pratim Sengupta Rajinder Kumar Babbar Dr. Anup Kumar Sinha Managing Director & Chief Executive Officer Executive Director & Chief Business Officer Non-executive (Independent) Chairman - A career banker, with nearly four decades of experience in - Ha
Slide 38: Experienced and professional team: Core Management 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 Ratan Kumar Kesh Rajinder Kumar Babbar Executive Director & Chief Ope
Slide 39: Experienced and professional team: Core Management Team (2/2)
Experienced and professional team… Core Management Team (2/2) Pramod Agarwal Hirak Sumatiprasad Joshi Head-Housing Finance & Mortgages-Products Head-Retail Assets • 27+ years of experience in Financial Service industry • 28+ years of experience in Banking industry • Previously served as Product Head
Slide 40: Awards and accolades
Awards and accolades 39
Slide 41: Awards and accolades
Awards and accolades Gallup Exceptional workspace Bandhan Bank received the 2025 Gallup Exceptional Workplace Award. We are among the only 62 organisations worldwide that have received this recognition, with this Bandhan Bank became two time winner. ET Edge and ET Now Award Bandhan Bank has been hon
Slide 42: Awards and accolades
Awards and accolades Marketing & Advertising Awards 2025 Double Win for Bandhan Bank Bandhan Bank has bagged two prestigious titles at the Adgully Marketing & Advertising Awards (MAA Awards) - Kolkata Edition 2025: For “Har Sapna Possible Hai” campaign ▪ BFSI Marketing Excellence Award ▪ Best CTV Ma
Slide 43: Thank You
Thank You For information contact: Vikash Mundhra, Head – Investor Relations investor.relations@bandhanbank.com