Bandhan Bank shares tumble over 4% as lender Q1 earnings disappoint; check all numbers

Bandhan Bank on July 18 posted a significant fall in its net profit for the first quarter of the current fiscal year (Q1 FY26) at ₹372 crore, down 65% from ₹1,064 crore reported in the year-ago period. On a sequential basis, the bank's net profit was up 17%.

The bank's net interest income (NII) was down 7.7% year-on-year (YoY) at ₹2,757.2 crore during the reporting quarter from ₹2,986.6 crore in Q1 FY25. The net interest margin (NIM) stood at 6.4%.

The bank's net revenue during Q1 FY26 was at ₹3,483 crore, down 1.4% from ₹3,533 crore in the same quarter of the previous year.

The net operating profit for the June quarter was down 14% YoY at ₹1,668 crore as against ₹1,941 crore in Q1 FY25.

As of June 30, 2025, the lender's total deposits were at ₹1.55 lakh crore, up 16% YoY as compared to ₹1.33 lakh crore in the year-ago quarter. The retail term deposits were up by 34% YoY at ₹63,661 crore, while the retail deposit to total deposit ratio stood at 68%.

Gross advances of the bank during the April-June quarter were up 6% YoY at ₹1.34 crore as compared to ₹1.26 crore in the year-ago period.

Bandhan Bank's current distribution network stands at nearly 6,350 outlets, while its total customer base is at 3.14 crore. The bank has over 73,000 employees.

Commenting on the bank’s Q1 performance, MD & CEO Partha Pratim Sengupta said, “Bandhan Bank has delivered a sequentially improving performance in Q1 FY26, marked by strong growth in deposits and continued momentum in retail & wholesale banking."

"While the operating environment poses certain challenges, our performance reflects the underlying resilience of our business and the strength of our strategic direction. We remain focused on prudent risk management, operational efficiency, and delivering long-term value for our customers and stakeholders," Sengupta added.

At the time of writing this article, shares of Bandhan Bank were trading at ₹180.95 apiece, declining 3.25% on the National Stock Exchange.

In the last six months, the stock has, however, zoomed 20.3%, while year-to-date it has gained over 13%.

The market capitalisation of the bank stands at ₹29,139.25 crore.

Shares of Bandhan Bank had touched their one-year high of ₹222.31 apiece on July 30, 2024, while their 52-week low of ₹128.16 was hit on February 18, 2025.