Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q1 FY27 Earnings Presentation
48 slides from Bandhan Bank's earnings presentation, Jul 21, 2026
Slide 1: Stock exchange cover letter
Ref. No.: BBL/SEC/096/2026-27 July 21, 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 Cod
Slide 2: Investor Presentation Q1FY27
Investor Presentation Q1FY27 21st July 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: Q1FY27
Strategic Highlights: Q1FY27 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: Q1FY27
Key Financial Highlights: Q1FY27 Gross Advances Secured Mix Non-EEB Book Share Of Non-East Advances ₹ 1,555.6 bn* 56.8% ₹ 1,029.1 bn 62.1%^ (16.4% YoY & 0.9% QoQ) (473 bps YoY & 67 bps QoQ) (27.4% YoY & 2.6% QoQ) (30 bps YoY & 19 bps QoQ) Total Deposit CASA Ratio Retail Deposits Share Of Non-East De
Slide 7: Extensive Pan-India Network with Deep Market Reach
Extensive Pan-India Network with Deep Market Reach As on 30th Jun’26 Banking Outlets Share of Banking Outlets by Region Ladakh Jammu & Kashmir Himachal Pradesh 2,864 22 Uttarakhand 6,388 outlets Branch Banking Chandigarh 33 830 Uttar Pradesh Banking Unit Punjab 44 Madhya Pradesh 35 States & UTs 62 6
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 Focused retail deposit strategy driving higher granularity and portfolio resilie
Slide 9: Business & Financial Overview
Business & Financial Overview 8
Slide 10: Gross Advances Mix
Gross Advances Mix All amount in ₹ Bn 16.4% Share of Loan Book 0.9% 0.6% IBPC 0.6% 0.0% 1,542.3 1,555.6 Wholesale 33.0% 10.0 31.4% 10.0 Banking 27.7% 1,336.2 0 10.4% 484.5 512.8 Retail 10.4% 370.5 8.3% 160.9 161.0 22.2% 111.0 Housing 22.6% 24.4% 326.6 347.9 345.4 11.2% SBAL 11.8% 14.3% 528.1 539.1 5
Slide 11: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) All amount in ₹ Bn EEB Asset Growth Number of Active Borrowers (Mn) -0.3% -2.3% 12.9 12.4 12.9 539.1 528.1 526.4 Jun'25 Mar'26 Jun'26 182.1 174.2 EEB Loan Disbursement 191.6 150.4 107.1 45.8 105.0 29.8 31.3 357.0 352.2 336.5 104.6 77.2 73.7 Jun'25 Mar'26 Jun'26
Slide 12: Housing Finance
Housing Finance All amount in ₹ Bn Housing: Product wise break-up Borrowers Bifurcation – Jun’26 Housing: Product wise share 5.7% 42.0% -0.7% 0.6% 0.7% 0.9% 56.5% 347.9 345.4 326.6 19.1% 22.4% 22.9% 2.5 3.1 1.5% 2.1 77.9 79.2 Salaried Professionals Self Employed 62.5 Housing Asset Disbursements Q1FY
Slide 13: Retail Assets
Retail Assets All amount in ₹ Bn Retail Assets: Product wise break-up Retail Assets: Product wise share 45.0% 8.3% 10.5% 12.1% 15.9% 18.8% 14.8% 0.1% 17.5% 18.5% 17.6% 20.0% 16.5% 17.6% 160.9 161.0 38.3% 35.7% 38.0% 17.0 19.5 111.0 30.2 23.8 Jun'25 Mar'26 Jun'26 Vehicle Personal Gold TD-OD Others 9.
Slide 14: Wholesale Banking
Wholesale Banking All amount in ₹ Bn Wholesale Banking: Product wise break-up FIG, H&E: 96% of outstanding are A- & Above category (as per external rating) As on 30th Jun’26 38.4% A- BBB+&Below Others 3% 3% AAA 5.8% 0.4% A 4% AA+ 7% A+ 19% 512.8 484.5 11% 42.1 36.9 25.2 370.5 27.7 21.9 21.6 21.6 AA
Slide 15: Geographical Distribution of Loans & Advances
Geographical Distribution of Loans & Advances Share of Loans & Advances by Region Share of Loans & Advances by States 42% 42% 42% 7% 6% 6% 6% 21% 22% 22% 7% 7% 7% 7% 6% 14% 15% 15% 16% 23% 24% 24% 17% 17% Jun'25 Mar'26 Jun'26 10% 9% 10% West Bengal Maharashtra Bihar Gujarat MP Others 15% 14% 14% 5%
Slide 16: Deposits
Deposits All amount in ₹ Bn Deposits (₹ in Bn) Retail Deposits* (%) *CASA + Retail TD 6.6% 73.7% 74.0% -0.9% 68.2% 1,663.4 1,648.9 Jun'25 Mar'26 Jun'26 1,546.7 CASA (%) 438.0 429.3 491.5 27.1% 29.3% 29.4% 737.9 734.8 Mar'25 Mar'26 Jun'26 636.6 Average SA Balance per Account (₹ in 000’) 372.7 395.9 3
Slide 17: Geographical Distribution of Deposits
Geographical Distribution of Deposits Share of Deposits by Region Share of Deposits by States 33% 33% 32% 4% 4% 5% 14% 15% 14% 7% 4% 6% 4% 6% 4% 11% 13% 12% 8% 8% 8% 41% 40% 41% 12% 11% 11% 12% 11% 11% Jun'25 Mar'26 Jun'26 4% 4% West Bengal Maharashtra Uttar Pradesh NCT of Delhi Odisha Others 4% Cat
Slide 18: Average Balances – Advances & Deposits
Average Balances – Advances & Deposits All amount in ₹ Bn Average Advances Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 QoQ % YoY % EEB 543.1 520.5 515.2 501.0 524.6 4.7% -3.4% Housing Finance 321.3 326.6 332.4 339.6 346.3 2.0% 7.8% Retail Assets 104.8 114.1 127.8 143.4 155.9 8.7% 48.8% Wholesale Banking 353.
Slide 19: Geographical Distribution of Banking Outlets
Geographical Distribution of Banking Outlets Banking Outlets Regional Diversification with Strong SU-RU Presence As on 30th Jun’26 Additional 44 Banking Outlets 12% 33% 18% Metro Urban 6,344 6,355 6,388 Semi Urban 37% Rural 1,750 1,955 1,988 Share of Banking Outlets by Region 4,594 4,400 4,400 Jun'2
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 66.2 3.5% 3.3 2.9% 3.0% 2.0% 1.8% 7.3 50.2 48.8 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 8.1 3.5 3.5 5.8 6.3 Gross NPA and Net NPA 9.8 PCR incl. 8.0 74.3% SRs 74.3% 74.2% 73.7% 47.5 71.1% PCR 71.1% 5.0% 31.1 31.0 3.3% 3.1% 1.4% 1.0% 0
Slide 22: NPA movement
NPA movement All amount in ₹ Bn Particulars Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY25 FY26 Opening GNPA (A) 64.4 66.2 70.2 48.0 50.2 47.8 64.4 Fresh Slippages (B) 15.5 15.9 13.1 10.3 10.8 53.7 54.8 Reductions (C) : - Recoveries & Upgrades 3.2 3.2 9.2 3.6 4.5 13.1 19.3 - Technical Write offs 10.5 8.7 0
Slide 23: EEB Collection Efficiency
EEB Collection Efficiency Top states Collection Efficiency for the Month Collection Efficiency for the Quarter States Mar’26* Jun’26* Q4FY26 Q1FY27 Excluding Arrears Excluding Arrears 110.2% 108.4% 98.2% 98.7% 99.3% 98.9% West Bengal 98.4% 99.1% 111.8% 95.4% 95.4% 110.0% 98.6% 98.5% 94.7% 94.7% Assa
Slide 24: EEB DPD movement
EEB DPD movement SMA 0 SMA 1 ₹ 5.3 bn; ₹ 4.6 bn; ₹ 10.2 bn; ₹ 7.9 bn; ₹ 9.6 bn; 1.0% ₹ 4.4 bn; 1.9% 1.8% 0.8 % 0.9% Rest of India 1.5 % 1.0% 1.2% 0.6% 0.7% 1.6% 0.6% 0.5% 0.9% 0.4% 0.8% 0.5% 0.4% 1.1% 1.2% Assam 2.6% 2.6% 2.9% 0.8% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 West Bengal SMA 2 NPA ₹ 47
Slide 25: EEB - Stress Pool and Vintage Analysis
EEB - Stress Pool and Vintage Analysis All amount in ₹ Bn Vintage Analysis 7.0% Q12025 Q22025 Q32025 Q42025 Q12026 Q22026 Q32026 Q42026 6.4% 6.1% 6.0% 5.8% 5.4% 5.4% 4.9% 4.9% 5.2% 5.0% 4.6% NPA (%) 4.2% 4.2% 4.0% 4.0% 3.8% 3.5% 3.0% 3.3% 2.0% 2.1% 1.0% 0.8% 0.0% 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 1
Slide 26: Asset Quality: Strong focus on borrower affordability
Asset Quality: Strong focus on borrower affordability 63.0% 62.5% 64% 60.8% 61% 61% 61% 59.4% 59% Sharp decrease in other Lenders QoQ 23.8% 22.6% 22.0% 20.8% 21% 19% 21% 19% 19% 11.3% 10.9% 10.7% 10.4% 10% 10% 10% 10% 9% 5.2% 3.3% 3.3% 5% 3.2% 5% 5% 5% 5% 0.8% 1.9% 0.6% 3% 0.6% 2.3% 2% 2% 0.3% 0.2%
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 -18.6% -5.8% 73.9 -5.8% 58.7 16.7 14.4 13.6 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 PAT -55.4% 5.9% 114.9 108.3 34.9% 4.5% -6.1% 27.5 27.6 28.0 29.2 12.2 3.7 5.3 5.0 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Q1FY26 Q4FY26 Q1FY27
Slide 29: Financial Performance (2/2)
Financial Performance (2/2) Spread (Annualized) 12.7% 12.0% 12.0% 13.5% 12.2% 7.0% 5.7% 6.5% 5.5% 6.4% 5.6% 7.1% 6.4% 6.8% 5.4% Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Yield Cost of funds (Excl Cap.) Spread Capital Adequacy Ratio (incl. Profit) NIM (Annualized) CRAR 19.4% 18.0% 18.2% 0.8% 0.7% 0.7% 6.4% 7.1%
Slide 30: Break up of Non-Interest Income
Break up of Non-Interest Income All amount in ₹ Mn Details of other Income Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY25 FY26 YoY Processing Fees 1,698 2,761 1,927 -30.2% 13.5% 8,294 8,544 3.0% Third Party Income 838 2,137 1,235 -42.2% 47.3% 3,857 5,485 42.2% P&L on Investment sale and Revaluation 2,507 64 238
Slide 31: Financial Performance
Financial Performance ROA (Annualized) Operating expenses to Average Assets (Annualized) 1.5% 1.1% 1.0% 0.8% 0.6% 4.4% 4.3% 3.9% 4.0% 4.0% Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 ROE (Annualized) Cost to Income Ratio 11.6% 8.5% 7.7% 5.9% 59.6% 61.5% 56.8% 4.8% 52.1% 48.9% Q1FY2
Slide 32: Profit & Loss Statement
Profit & Loss Statement All amount in ₹ Bn Particulars Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY25 FY26 YoY Interest Income 54.8 54.3 56.3 3.7% 2.8% 219.5 216.9 -1.2% Interest expenses 27.2 26.3 27.1 2.9% -0.3% 104.6 108.6 3.8% Net Int. Income (NII) 27.6 28.0 29.2 4.5% 5.9% 114.9 108.3 -5.8% Non Interest Inco
Slide 33: Balance Sheet
Balance Sheet All amount in ₹ Bn Capital & Liabilities 30th Jun’25 31st Mar’26 30th Jun’26 YoY Capital 16.1 16.1 16.1 0.0% Employees stock options outstanding 2.7 3.2 3.2 20.4% Reserves & Surplus 231.3 236.5 242.4 4.8% Shareholders Funds 250.1 255.7 261.7 4.6% Deposits 1,546.7 1,663.4 1,648.9 6.6% B
Slide 34: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Bn) RR2 2.66 RR3 2.06 Security Receipts w.r.t portfolio sale to ARC CRISIL RR4 1.36 Unrated ~ 0.01 [ICRA]AA- (Stable) ICRA Non-Convertible Debenture # 12.95** CRISIL AA-/Stable CRISIL CRISIL A1+ CRISIL C
Slide 35: Digital Offering and Indices
Digital Offering and Indices 34
Slide 36: Digital Adoption Scorecard – Key digital indices
Digital Adoption Scorecard – Key digital indices 98% 90% 59% 92% of retail transactions CBDT Payments RD Saving Accounts are digital digitally Invested digitally opened digitally # 99.9 % 233% 115%* 28% of GST transactions Q-o-Q Growth in Total New MF Invested Online Deposit Contribution are digital
Slide 37: Elevated our mutual fund platform with UIUX upgrade
Elevated our mutual fund platform with UIUX upgrade and capability enhancements Dashboard Investment Transactions Bandhan Large & Mid Cap Fund Consolidated Tools to build Key decision-making data displayed Portfolio View engagement upfront on the Fund Details page Intuitive Personalized One-time and
Slide 38: Digital onboarding expansion with Corporate Salary Account Journey
Digital onboarding expansion with the introduction of Corporate Salary Account Journey 37
Slide 39: Deepening Relationship with our Sector Solutions Suite
Deepening Relationship with our Sector Solutions Suite 38
Slide 40: Empowering Merchants with Static QR Linked with POS Terminal
Empowering Merchants with Static QR Linked with POS Terminal BENEFITS FOR THE BANK BENEFITS FOR MERCHANTS Increases Transaction Flexibility and convenience volumes in payment acceptance Enables currently non- Instant voice notification & transacting POS machines charge slip generation on the to beco
Slide 41: Our Board & Management
Our Board & Management 40
Slide 42: Strong Independent Board
Strong Independent Board Board of Directors (1/2) Mr. Debasish Panda Partha Pratim Sengupta Rajinder Kumar Babbar Non-Executive Chairman Managing Director & Chief Executive Officer Executive Director & Chief Business Officer - A 1987 batch IAS Officer, having distinguished career - A career banker,
Slide 43: Strong Independent Board
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 effective June 24, 2024, - CA & CMA with over 29 years of extensive experience in and
Slide 44: Experienced and professional team…
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 45: Experienced and professional team…
Experienced and professional team… Core Management Team (2/2) Rajesh Kumar Srivastava Pinaki Halder Head-Liability & Transaction Operations and Operations Support Group Chief Information Officer • 30+ years of experience in Banking industry. • 28+ years of experience in Banking Industry • Previously
Slide 46: Awards and accolades
Awards and accolades 45
Slide 47: 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 48: Thank You
Thank You For information contact: Vikash Mundhra, Head – Investor Relations investor.relations@bandhanbank.com