Bandhan Bank announced financial results for the July–September 2025 quarter (Q2 FY26). Bandhan Bank’s profits fell sharply because of more bad loans and lower income.
Highlights of the Financial Results:
- Net profit fell to ₹112 crore, compared to ₹937 crore a year ago, that’s an 88% drop. The fall happened mainly because the bank had to set aside (or “provision”) more money to cover bad loans.
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Bank,s income reduced as the bank’s main source of income, called Net Interest Income (NII) (the difference between what it earns on loans and what it pays on deposits), fell 12% year-on-year to ₹2,589 crore.
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The bank made provisions of ₹1,153 crore, up from ₹606 crore last year, meaning more loans are turning risky or not being repaid on time.
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Operating profit came down from ₹1,855 crore to ₹1,310 crore — showing the bank’s overall performance weakened.
Bandhan Bank’s CEO, Partha Pratim Sengupta, said the bank is in a “transitional phase” meaning it’s changing its business model to make its loan portfolio more balanced and less risky. The bank is trying to transform and diversify to become stronger in the long run. He said the bank is focusing on:
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Using more technology
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Improving internal processes
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Building better products and training people
They call this the move towards “Bandhan Bank 2.0.”
On October 31, 2025, Bandhan Bank’s share price fell nearly 6% to about ₹160 per share because of the weak financial results.
JM Financial found the results worse than expected (profit fell about 70%). They said the main problem is stress in microfinance loans, lower margins, weak fee income, and slow loan growth. They think bad loans and credit costs will stay high for the next two years.