Bandhan Bank reports strong deposit, loan growth in Q2 2025

Bandhan Bank announced its provisional unaudited figures for the quarter ended September 30, 2025, revealing a notable increase in its financial performance. Loans & Advances (On book + PTC) grew by 7.2% year-on-year to ₹1,40,062 crore, marking a 4.8% increase quarter-on-quarter. Total Deposits also saw a substantial rise of 10.9% year-on-year, reaching ₹1,57,975 crore, with a 2.1% quarter-on-quarter growth.

A breakdown of deposits indicates robust retail growth, with Retail Deposits (incl. CASA) increasing by 16.7% year-on-year to ₹1,12,753 crore. Retail Term Deposits were a strong performer, surging by 39.0% year-on-year to ₹68,539 crore. However, CASA Deposits experienced a 6.5% year-on-year decline to ₹44,214 crore, despite a 5.6% quarter-on-quarter increase. Bulk Deposits decreased by 1.5% year-on-year to ₹45,222 crore. The Retail to Total Deposits ratio improved to 71.4%, and the CASA Ratio stood at 28.0%.

The bank's Pan Bank Collection Efficiency (Excluding NPA) for the quarter ended September 30, 2025, was approximately 98.0%, a slight increase from 97.9% in the previous quarter. The Liquidity Coverage Ratio (LCR) as of September 30, 2025, was approximately 152.68%.