New Delhi/Kolkata, Jan 22 (PTI) Bandhan Bank on Thursday reported a 51.7 per cent decline in net profit to Rs 205.59 crore for the third quarter ended December 2025, due to lower income and higher expenditure.
The Kolkata-based bank had a net profit of Rs 426.48 crore in the third quarter of the preceding fiscal.
Its total income declined to Rs 6,122 crore during the Q3 of FY’26 from Rs 6,591 crore a year ago.
The total expenditure increased to Rs 4,677 crore during the quarter under review against Rs 4,569 crore in the year-ago period.
Gross non-performing assets (NPAs) improved to 3.33 per cent of gross advances, from 4.68 per cent in Q3 of FY25.
However, the lender’s net profit for the quarter under review rose 84 per cent sequentially as compared to Rs 112 crore in the second quarter of FY’26.
Speaking on the performance, Bandhan Bank MD and CEO Partha Pratim Sengupta said gross advances, as of December 31, 2025, stood at Rs 1.45 lakh crore, reflecting a 10 per cent growth year-on-year.
By the end of December 2025, its total deposits were at Rs 1.57 lakh crore, growing faster than advances on a year-on-year basis, he said.
Sengupta said the CASA (current account savings account) ratio stood at 27 per cent, while the ratio of the CASA and retail term deposit together to the total deposits stood at 72 per cent.
“We remain focused on accelerating CASA and improving asset quality further,” he said.
Sengupta said the bank’s total business grew by 11 per cent to close at Rs 3.02 lakh crore.
“Aligned with our diversification agenda, our secured book at 57 per cent of overall advances continued to gain share within the portfolio, supported by steady growth across secured products. This shift reinforces the improving risk profile and balance within our advanced mix,” he said.
The net interest margin for the quarter under review was at 5.9 per cent, he said.
Shares of Bandhan Bank closed at Rs 142.65 apiece, up 3.37 per cent over the previous close on BSE. PTI JD BDC NN
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