INTEGRATED FILING — BANKING



General information about company

Scrip code 541153
NSE Symbol BANDHANBNK
MSEI Symbol NOTLISTED
ISIN INE545U01014
Name of bank Bandhan Bank Limited
Class of security Equity
Date of start of financial year 01-04-2025
Date of end of financial year 31-03-2026
Date of board meeting when results were approved 22-01-2026
Date on which prior intimation of the meeting for considering financial results was informed to the exchange 13-01-2026
Description of presentation currency INR
Level of rounding used in financial results Lakhs
Reporting Type Quarterly
Reporting Quarter Third quarter
Nature of report standalone or consolidated Standalone
Whether results are audited or unaudited Unaudited
Whether results are audited or unaudited for the Year to date for current period ended/year ended Unaudited
Segment Reporting Multi segment
Description of single segment
Start date and time of board meeting 22-01-2026   10:00:00
End date and time of board meeting 22-01-2026   15:35:00
Whether cash flow statement is applicable on company
Type of cash flow statement
Declaration of unmodified opinion or statement on impact of audit qualification Not applicable
Whether statement on deviation or variation for proceeds of public issue, rights issue, preferential issue, qualified institutions placement etc. is applicable to the company for the current quarter? No
No. of times funds raised during the quarter
Whether the disclosure for the Default on Loans and Debt Securities is applicable to the entity? No
During Q3 FY 2025-26, there were no instances of outstanding default on loans and debt securities.


Financial Results - Banking

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
A Date of start of reporting period 01-10-2025 01-04-2025
B Date of end of reporting period 31-12-2025 31-12-2025
C Whether results are audited or unaudited Unaudited Unaudited
D Nature of report standalone or consolidated Standalone Standalone
1 Interest earned
Interest or discount on advances or bills 4,68,493.23 13,89,268.60
Income on investments 68,291.69 2,03,590.36
Interest on balances with reserve bank of India and other inter bank funds 1,136.57 5,047.67
Others 5,202.43 28,161.46
Total interest earned 5,43,123.92 16,26,068.09
2 Other income 69,100.69 1,96,332.79
3 Total income 6,12,224.61 18,22,400.88
Expenses
4 Interest expenses 2,74,293.85 8,22,658.33
5 Operating expenses
(i) Employees cost 1,13,346.28 3,33,433.87
(ii) Details of other operating expenses
Description of other operating expenses
1 Other Operating Expenses 80,083.94 2,23,932.69
Total other operating Expenses 80,083.94 2,23,932.69
Total Operating Expenses 1,93,430.22 5,57,366.56
6 Total expenditure excluding provisions and contingencies 4,67,724.07 13,80,024.89
7 Operating profit before provision and contingencies 1,44,500.54 4,42,375.99
8 Provisions other than tax and contingencies 1,15,462.81 3,45,409.71
9 Exceptional items 0.00 0.00
10 Total profit (loss) from ordinary activities before tax 29,037.73 96,966.28
11 Provision for Tax 8,478.64 28,023.85
12 Net profit (loss) from ordinary activities after tax 20,559.09 68,942.43
13 Extraordinary items net of tax expenses 0.00 0.00
14 Net profit (loss) for the period 20,559.09 68,942.43
15 Share of profit (loss) of associates
16 Profit (loss) of minority interest
17 Net Profit (loss) after taxes minority interest and share of profit (loss) of associates 20,559.09 68,942.43
18 Details of equity share capital [Abstract]
Paid-up equity share capital 1,61,097.14 1,61,097.14
Face value of equity share capital 10 10
19 Reserve excluding revaluation reserves (as per balance sheet of previous accounting year)
20 Analytical ratios
(i) Percentage of share held by government of India 0 0
(ii) Capital adequacy ratio
CET 1 ratio 17.3300 17.3300
Additional Tier 1 ratio 0 0
(iii) (a) Earnings per share before extraordinary items
Basic earnings per share before extraordinary items 1.28 4.28
Diluted earnings per share before extraordinary items 1.28 4.28
(iii) (b) Earnings per share after extraordinary items
Basic earnings per share after extraordinary items 1.28 4.28
Diluted earnings per share after extraordinary items 1.28 4.28
(iv) NPA Ratios
Amount of gross non-performing assets 4,80,498.56 4,80,498.56
Amount of net non-performing assets 1,40,212.28 1,40,212.28
% of gross NPAs 3.3300 3.3300
% of net NPAs 0.9900 0.9900
Return on assets 0.1100 0.3600
21 Disclosure of notes on financial results by banks Textual Information(1)


Text Block

Textual Information(1) Detailed notes on the Unaudited Financial Results for the quarter and nine months ended December 31, 2025, have been submitted along with the PDF of the Results submitted on January 22, 2026.


Format for Reporting Segment wise Revenue, Results and Capital Employed along with the company results

Amount in (Lakhs)

Particulars 3 months/ 6 months ended (dd-mm-yyyy) Year to date figures for current period ended (dd-mm-yyyy)
Date of start of reporting period 01-10-2025 01-04-2025
Date of end of reporting period 31-12-2025 31-12-2025
Whether results are audited or unaudited Unaudited Unaudited
Nature of report standalone or consolidated Standalone Standalone
1 Segment Revenue (Income)
(net sale/income from each segment should be disclosed)
1 Treasury 72,917.10 2,42,093.17
2 Retail Banking 5,49,199.05 16,40,480.19
3 Wholesale Banking 70,384.50 1,98,143.19
4 Other Banking Operations 12,751.63 33,480.17
Total Segment Revenue 7,05,252.28 21,14,196.72
Less: Inter segment revenue 93,027.67 2,91,795.84
Income from operations 6,12,224.61 18,22,400.88
2 Segment Result
Profit (+) / Loss (-) before tax and interest from each segment
1 Treasury 25,734.48 77,597.22
2 Retail Banking (3,765.88) 3,144.83
3 Wholesale Banking (5,098.97) (15,744.96)
4 Other Banking Operations 12,168.10 31,969.19
Total Profit before tax 29,037.73 96,966.28
i. Finance cost
ii. Other Unallocable Expenditure net off Unallocable income
Profit before tax 29,037.73 96,966.28
3 (Segment Asset - Segment Liabilities)
Segment Asset
1 Treasury 47,53,073.71 47,53,073.71
2 Retail Banking 1,10,65,113.68 1,10,65,113.68
3 Wholesale Banking 36,49,377.77 36,49,377.77
4 Other Banking Operations 5,638.92 5,638.92
Total Segment Assets 1,94,73,204.08 1,94,73,204.08
Un-allocable Assets 1,39,897.53 1,39,897.53
Net Segment Assets 1,96,13,101.61 1,96,13,101.61
4 Segment Liabilities
Segment Liabilities
1 Treasury 10,46,361.21 10,46,361.21
2 Retail Banking 1,54,95,910.92 1,54,95,910.92
3 Wholesale Banking 5,47,562.28 5,47,562.28
4 Other Banking Operations 0.00 0.00
Total Segment Liabilities 1,70,89,834.41 1,70,89,834.41
Un-allocable Liabilities 14,047.69 14,047.69
Net Segment Liabilities 1,71,03,882.10 1,71,03,882.10
Disclosure of notes on segments Detailed notes on the Unaudited Financial Results for the quarter and nine months ended December 31, 2025, were submitted along with the PDF of the Results on January 22, 2026. Capital, Employees stock options outstanding and Reserves are not included in the XBRL Segment section, please refer to Point 5 of the Segment Reporting page of the Results.