Private sector lender Bandhan Bank on Tuesday reported around 68 per cent year-on-year increase in its net profit to ₹534.14 crore for the fourth quarter last fiscal, on the back of around 46 per cent y-o-y fall in provisions as asset quality improved during the period.
The Kolkata-headquartered bank’s net profit for the fourth quarter of FY25 stood at ₹317.90 crore.
Its operating profit for the fourth quarter last fiscal saw a decline of 8.28 per cent year-on-year at ₹1,441.16 crore, according to a stock exchange filing. During the quarter under review, the lender’s net interest income (NII) rose 1.43 per cent y-o-y at ₹2,795.59 crore from ₹2,756.19 crore for the same period a year ago. Non-interest income witnessed a healthy growth of 10.16 per cent y-o-y at ₹770.69 crore.
“This quarter marked an improvement across many key parameters, reflecting strengthening fundamentals across our core businesses. We saw encouraging momentum build through the quarter, underpinned by discipline execution and a stark focus on balance sheet quality,” Bandhan Bank MD & CEO Partha Pratim Sengupta said after declaring the results.
During Q4FY26, the lender’s advances and deposits grew 12.6 per cent and 10 per cent year-on-year, respectively. Net interest margin (NIM) for the period stood at 6.2 per cent, registering a 46 basis points decline y-o-y.
Provisions fell to ₹677.01 crore from ₹1,260.16 crore during the year-ago period as the bank witnessed a fall in slippages and an improvement in recovery from bad loans. During Q4FY26, fresh slippages were at around ₹1,030 crore compared to ₹1,750 crore in Q4FY25. For the third quarter last fiscal, fresh slippages stood at ₹1,310 crore. For the Emerging Entrepreneur Business segment (erstwhile microloan segment), slippage reduced to ₹690 crore during the quarter compared to ₹942 crore in Q3FY26.
Gross non-performing assets (GNPA) ratio fell 44 bps to 3.27 per cent during the quarter from 4.71 per cent in the year-ago period. Net NPA ratio declined 31 bps at 0.97 per cent compared to 1.28 per cent in Q4FY25.
“We said that exit FY27, we should have a NIM of 6.46 per cent on the total assets, which roughly would be around 6.4 per cent of the total advances,” said Rajeev Mantri, Chief Financial Officer, Bandhan Bank.
Published on April 28, 2026