Bandhan Bank Limited Q2 FY26 earnings call summary

Earnings call of 30 Oct 2025, summarised by AI from the filing.

Bandhan Bank Q2 FY26 net profit ₹112 cr, NIM 5.8%, guides overall credit cost 1.5%-1.6% by FY27 exit.

Key takeaways

1. Net profit Q2 FY26 net profit ₹112 cr (Q2 FY25: ₹937 cr, Q1 FY26: ₹372 cr).
2. Credit cost guidance Management guides overall Bank credit cost of 1.5% to 1.6% by FY27 exit.
3. NIM decline NIM fell to 5.8% in Q2 FY26 from 6.4% in Q1 FY26 due to repo rate cut.
4. Non-EEB growth Non-EEB portfolio grew 24% YoY, now 63% of total advances.

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)