Bandhan Bank Limited Q1 FY26 earnings call summary

Earnings call of 18 Jul 2025, summarised by AI from the filing.

Bandhan Bank Q1 FY26 PAT ₹372 cr, EEB stress persists; credit cost guided at 2.5% for FY26.

Key takeaways

1. PAT ₹372 cr (Q1 FY25: ₹1,063 cr, Q4 FY25: ₹318 cr), impacted by EEB stress and write-offs.
2. Credit cost guidance FY26 credit cost guided at 2.5%, with marginal improvement expected in Q2 and more significant recovery by Q3.
3. EEB recovery EEB challenges expected to persist until Q2 FY26, with gradual recovery and positive bias in H2.
4. NIM pressure NIM moderated to 6.4% from 6.7% QoQ, with further compression expected in Q2 before stabilization in H2.

Original filing on BSE

Bandhan Bank Limited Q1 FY27 results

As filed: Revenue ₹5,631 cr, EBITDA ₹71.7 cr, PAT ₹502 cr, EBITDA margin 1.3%.

Not scored. Bank result format: not scored yet.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹5,428 cr, EBITDA −₹6.5 cr, PAT ₹534 cr, EBITDA margin -0.1%. Not scored. Bank result format: not scored yet. Share price after the results: +15.2% in 29 days (Nifty 500: +0.9%).
• Q3 FY26: Revenue ₹5,431 cr, EBITDA −₹401 cr, PAT ₹206 cr, EBITDA margin -7.4%. Not scored. Bank result format: not scored yet. Share price after the results: +25.2% in 29 days (Nifty 500: +1.7%).
• Q2 FY26: Revenue ₹5,354 cr, EBITDA −₹388 cr, PAT ₹112 cr, EBITDA margin -7.3%. Not scored. Bank result format: not scored yet. Share price after the results: −11.9% in 29 days (Nifty 500: +0.4%).
• Q1 FY26: Revenue ₹5,476 cr, EBITDA −₹205 cr, PAT ₹372 cr, EBITDA margin -3.7%. Not scored. Bank result format: not scored yet. Share price after the results: −12.6% in 27 days (Nifty 500: −2.6%).
• Q4 FY25: Revenue ₹5,434 cr, EBITDA −₹389 cr, PAT ₹318 cr, EBITDA margin -7.2%. Not scored. Bank result format: not scored yet. Share price after the results: +2.8% in 30 days (Nifty 500: +3.5%).
• Q3 FY25: Revenue ₹5,479 cr, EBITDA −₹451 cr, PAT ₹426 cr, EBITDA margin -8.2%. Not scored. Bank result format: not scored yet.
• Q2 FY25: Revenue ₹5,500 cr, EBITDA ₹654 cr, PAT ₹937 cr, EBITDA margin 11.9%. Not scored. Bank result format: not scored yet.

Past price moves after results do not indicate future moves. Not a recommendation.

Bandhan Bank Limited earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (21 Jul 2026), Results deck (21 Jul 2026)
• Q4 FY26: Earnings call (28 Apr 2026), Results deck (28 Apr 2026)
• Q3 FY26: Earnings call (22 Jan 2026), Results deck (22 Jan 2026)
• Q2 FY26: Earnings call (30 Oct 2025), Results deck (30 Oct 2025)
• Q1 FY26: Earnings call (18 Jul 2025), Results deck (18 Jul 2025)
• Q4 FY25: Earnings call (30 Apr 2025), Results deck (30 Apr 2025)