Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q1 FY26 Earnings Presentation
42 slides from Bandhan Bank's earnings presentation, Jul 18, 2025
Slide 1: Exchange filing cover letter
Ref. No.: BBL/SEC/065/2025-26 July 18, 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 Cod
Slide 2: Investor Presentation Q1FY26
Investor Presentation Q1FY26 18th July, 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: Q1FY26
Strategic Highlights: Q1FY26 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: Q1FY26
Key Highlights: Q1FY26 Gross Advances Secured Book Non-EEB Book Share Of Non-East Advances ₹ 1,336.2 bn* 52.1%** ₹ 805.8 bn^ 61.8% (6.4% YoY & -2.5% QoQ) (920 bps YoY & 160 bps QoQ) (26.7% YoY & 0.5% QoQ) (388 bps YoY & 109 bps QoQ) Total Deposit CASA Ratio Retail Deposits Share Of Non-East Deposits
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 6.4% 0.0% IBPC 0.7% 0.9% -2.5% Wholesale 27.7% 26.5% 1,369.9 Banking 22.3% 1,256.2 1,336.2 9.8 8.3% Retail 8.0% 10.8 5.0% 363.4 370.5 280.7 24.4% 110.2 Housing 23.4% 62.3 111.0 22.6% 283.3 321.1 14.3% 326.6 SBAL 14.9% 17.0% 25.2% 619.1 EEB Gr
Slide 9: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) Number of Active Borrowers (Mn) EEB Asset Growth (₹ in Bn) -14.7% 13.9 13.2 12.9 -6.6% 619.1 565.4 Jun'24 Mar'25 Jun'25 528.1 214.0 EEB Loan Disbursement (₹ in Bn) 151.0 204.6 137.2 191.6 46.6 107.1 39.0 29.8 405.1 360.9 98.2 104.4 336.5 77.2 Jun'24 Mar'25 Jun'2
Slide 10: Housing Finance
Housing Finance All amount in ₹ Bn. Housing: Product wise break-up Borrowers Bifurcation – Jun’25 15.3% Housing: Product wise share 1.7% 40.7% 57.6% 0.8% 0.6% 0.7% 321.1 326.6 16.9% 18.5% 19.1% 283.3 1.9 2.2 62.3 1.7% 2.2 59.6 47.9 Salaried Professionals Self Employed Housing Asset Disbursements 82.
Slide 11: Retail Assets
Retail Assets All amount in ₹ Bn. Retail Assets: Product wise break-up Retail Assets: Product wise share 4.5% 6.9% 8.3% 78.3% 16.2% 21.6% 15.9% 0.7% 20.2% 17.5% 17.2% 24.4% 19.2% 20.0% 110.2 111.0 7.6 9.2 34.7% 35.1% 38.3% 23.8 17.6 Jun'24 Mar'25 Jun'25 Vehicle Personal Gold TD-OD Others 62.3 19.5 1
Slide 12: Wholesale Banking
Wholesale Banking All amount in ₹ Bn. Wholesale Banking: Product wise break-up FIG: 95% of exposure are A- & Above category (as per external rating) Others AAA AA+ 32.0% BBB+&Below 1% 4% 26% A- 4% 2.0% 3% A 8% 363.4 370.5 18.7 21.6 AA 40.4 A+ 17% 280.7 45.3 17.4 15% 17.0 9.3 53.6 AA- 122.4 123.3 22%
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% 41% 42% 7% 7% 7% 20% 21% 8% 8% 7% 22% 8% 7% 7% 12% 14% 14% 13% 24% 23% 23% 15% 16% 9% Jun'24 Mar'25 Jun'25 9% 10% West Bengal Maharashtra Bihar Gujarat MP Others 16% 15% 15% 5% 5
Slide 14: Deposits
Deposits Deposits (₹ in Bn) CASA + Retail TD to Total Deposits (%) 16.1% 69.1% 68.9% 68.2% 2.3% 1,546.7 Jun'24 Mar'25 Jun'25 1,512.1 1,332.1 CASA (%) 470.6 491.5 411.0 33.4% 31.4% 27.1% 567.2 636.6 476.5 Jun'24 Mar'25 Jun'25 383.1 393.5 353.9 Average SA Balance (₹ in 000’) 61.5 80.9 64.7 2.1 1.8 1.6
Slide 15: Geographical Distribution of Deposits
Geographical Distribution of Deposits Share of Deposits by States Share of Deposits by Region 36% 35% 33% 4% 4% 4% 4% 14% 13% 14% 5% 4% 7% 6% 7% 10% 10% 11% 7% 8% 8% 13% 39% 40% 41% 14% 12% 11% 12% 12% Jun'24 Mar'25 Jun'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 Focus on serving the rural & underbanked population Banking Outlets as on 30th Jun’25 11% 34% Additional 47 Banking Outlets 18% 6,297 6,309 6,344 37% 1,700 1,715 1,750 Metro Urban Semi-Urban Rural Share of Banking Outlets by Region 4,597 4
Slide 17: Asset Quality
Asset Quality 16
Slide 18: Segmental NPA and Credit Cost
Segmental NPA and Credit Cost Segmental GNPA movement (₹ in Bn) Credit Cost 66.2 64.4 3.3 2.7 7.2 7.3 53.0 3.9% 1.4 8.1 3.5% 3.4% 7.2 2.9% 10.0 1.6% 5.4 Q1FY25 Q4FY25 Q1FY26 FY24 FY25 Gross NPA and Net NPA PCR 47.5 73.7% 73.7% 47.2 73.7% 36.2 4.7% 5.0% 4.2% 1.1% 1.3% 1.4% Jun'24 Mar'25 Jun'25 Jun'24
Slide 19: NPA movement
NPA movement All amount in ₹ Bn. Particulars Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 FY24 FY25 Opening GNPA (A) 47.8 53.0 61.0 61.8 64.4 53.0 47.8 Fresh Slippages (B) 8.9 11.1 16.2 17.5 15.5 51.0 53.8 Reductions (C) : - Recoveries & Upgrades 3.7 3.0 2.8 3.5 3.2 16.2 13.1 - Technical Write offs - 0.1 12.7
Slide 20: EEB Collection Efficiency
EEB Collection Efficiency Top states Collection Efficiency for the Month Collection Efficiency for the Quarter States Mar’25 Jun’25 Q4FY25 Q1FY26 Excluding Arrears Excluding Arrears 109.5% 108.3% 97.8% 97.6% 112.9% West Bengal 98.7% 98.4% 98.7% 98.2% 109.4% 93.1% 92.3% 98.2% 97.7% 93.6% 92.5% Assam
Slide 21: EEB DPD movement
EEB DPD movement SMA 0 SMA 1 ₹ 10.2 bn; ₹ 8.6 bn; 1.9% ₹ 5.2 bn; ₹ 5.3 bn; ₹ 5.8 bn; 1.5% ₹ 4.2 bn ; 0.9% 1.0% Rest of India 0.9% 1.6% 0.7% 1.1% 0.9% 1.2% 0.4% 1.2% 1.1% 0.9% 2.6% 0.5% 0.5% 0.9% 2.3% 0.5% Assam 0.6% 0.4% 0.6% 0.8% Jun'24 Mar'25 Jun'25 Jun'24 Mar'25 Jun'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 - ₹ 57.7 Bn EEB Book - Vintage Analysis Qtr Disbursement SMA1* SMA2* NPA* 47.6 Q1FY24 79.7 0.1% 0.1% 1.9% Q2FY24 169.4 0.2% 0.2% 3.0% 5.3 Q3FY24 174.3 0.4% 0.4% 4.3% 4.8 Q4FY24 228.1 0.6% 0.5% 5.2% Q1FY25 137.2 0.6% 0.7% 4.4%
Slide 23: Asset Quality: Strong focus on borrower affordability
Asset Quality: Strong focus on borrower affordability Lender Analysis based on AUM 70% 64% 61% 61% 61% 60% 59% 50% 40% 30% 21% 21% 19% 19% 19% 20% 10% 10% 10% 10% 9% 10% 5% 5% 5% 5% 5% 3% 2% 2% 2% 2% 2% 2% 2% 2% 2% 0% Bandhan bank Bandhan + 1 Bandhan + 2 Bandhan + 3 Bandhan + 4 Bandhan + >4 June'24
Slide 24: Financials
Financials 23
Slide 25: Financial Performance (1/2)
Financial Performance (1/2) All amount in ₹ Bn. Net Interest Income Operating Profit 11.3% -14.1% 73.9 66.4 11.4% 6.2% 19.4 15.7 16.7 Q1FY25 Q4FY25 Q1FY26 FY24 FY25 PAT 23.1% -7.7% 114.9 103.2 0.00% -65.0% 27.5 17.0% 22.3 29.9 27.6 27.6 10.6 3.2 3.7 Q1FY25 Q4FY25 Q1FY26 FY24 FY25 Q1FY25 Q4FY25 Q1FY2
Slide 26: Financial Performance (2/2)
Financial Performance (2/2) Spread (Annualized) 13.9% 13.1% 12.7% 13.4% 13.5% 7.0% 6.9% 7.2% 5.9% 7.0% 5.7% 6.6% 6.8% 7.1% 6.4% Q1FY25 Q4FY25 Q1FY26 FY24 FY25 Yield Cost of funds (Excl Cap.) Spread Capital Adequacy Ratio NIM (Annualized) 18.7% 19.1% 15.0% 0.8% 0.8% 0.9% 7.6% 7.3% 7.1% 19.4% 6.7% 6.4
Slide 27: Break up of Non-Interest Income
Break up of Non-Interest Income All amount in ₹ Mn. Details of other Income Q1FY25 Q4FY25 Q1FY26 QoQ YoY FY24 FY25 YoY Processing Fees 1,987 2,403 1,698 -29.4% -14.5% 9,428 8,294 -12.0% Third Party Income 486 1,594 838 -47.4% 72.5% 2,835 3,857 36.0% P&L on Investment sale and Revaluation 315 174 2,5
Slide 28: Financial Performance
Financial Performance ROA & ROE (Annualized) Operating expenses to Average Assets (Annualized) ROA ROE 18.8% 3.7% 4.1% 3.9% 3.8% 4.0% 11.6% Q1FY25 Q4FY25 Q1FY26 FY24 FY25 10.7% Cost to Income Ratio 5.9% 5.2% 54.5% 52.1% 45.1% 46.8% 48.9% 2.5% 1.4% 1.5% 0.7% 0.8% Q1FY25 Q4FY25 Q1FY26 FY24 FY25 Q1FY25
Slide 29: Profit & Loss Statement
Profit & Loss Statement All amount in ₹ Bn. Particulars Q1FY25 Q4FY25 Q1FY26 QoQ YoY FY24 FY25 YoY Interest Income 55.4 54.3 54.8 0.8% -1.1% 188.7 219.5 16.3% Interest expenses 25.5 26.8 27.2 1.5% 6.6% 85.5 104.6 22.3% Net Int. Income (NII) 29.9 27.6 27.6 0.0% -7.7% 103.2 114.9 11.4% Non Interest In
Slide 30: Balance Sheet
Balance Sheet All amount in ₹ Bn. Capital & Liabilities 30th Jun’24 31st Mar’25 30th Jun’25 QoQ YoY Capital 16.1 16.1 16.1 0.0% 0.0% Employees stock options outstanding 0.5 2.5 2.7 9.5% 418.9% Reserves & Surplus 213.5 227.5 231.3 1.7% 8.4% Shareholder Funds 230.1 246.1 250.1 1.7% 8.7% Deposits 1,332
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 0.18 RR3 1.47 [ICRA]AA- (Stable) ICRA Non-Convertible Debenture # 12.95** CRISIL AA-/Stable CRISIL CRISIL A1+ CRISIL Certificate of
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% 91%* 63% of retail transactions Saving Accounts Growth in RD volume are digital opened digitally # Digital Deposits booked digitally volume 59%* 54% * 32%* 20%* growth in UPI growth in growth in growth in Login transactions Digital Transactions Mobile
Slide 34: EEB Business: EMI collection via QR code
EEB Business: EMI collection via QR code - digitizing and enhancing efficiency of loan collection Seamless option for customers to scan and pay EMIs 24x7 via any PSP app Benefits of QR code mode Unique & secure : Pay anytime, anywhere via any PSP. UPI-based Loan Repayment Same QR works for future li
Slide 35: Our Board & Management
Our Board & Management 34
Slide 36: Strong Independent Board
Strong Independent Board Board of Directors Rajinder Kumar Babbar Dr. Anup Kumar Sinha Partha Pratim Sengupta Executive Director & Chief Business Officer Non-executive (Independent) Chairman Managing Director & Chief Executive Officer - Has more than three decades of experience in banking sector - E
Slide 37: 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 Ratan Kumar Kesh Rajinder Kumar Babbar Executive Director & Chief Ope
Slide 38: Experienced and professional team (2/2)
Experienced and professional team… Core Management Team (2/2) Navin Sharma Pinaki Halder Chief Audit Executive Chief Information Officer • 27+ years of experience in Banking Industry • 23+ years of experience in banking industry. • Previously served as SVP2 Business Intelligence Unit at Axis Bank •
Slide 39: Awards and accolades
Awards and accolades 38
Slide 40: 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 41: 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 42: Thank You
Thank You For information contact: Vikash Mundhra, Head – Investor Relations investor.relations@bandhanbank.com