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Bandhan Bank Loans Rise 13%, Deposit Mix Remains in Focus
Bandhan Bank shared an update about its business in the quarter ending September 30.
Its loans were higher than a year earlier, but rose only a little compared with June.
Deposits grew faster than loans over the quarter.
More of the bank’s deposits were in term and bulk deposits, while current and savings deposits fell from June.
This brought the share of current and savings deposits down to 26.71%.
The bank reported collection efficiency of 98.9%, meaning it collected most of the payments due.
Its liquidity coverage ratio was about 137.88%.
The bank’s shares closed higher on Thursday.
Loans and advances reached ₹1,58,335 crore on September 30, up 13.1% year-on-year and 1.8% from June.
Total deposits rose 9.2% year-on-year and 4.7% sequentially to ₹1,72,689 crore.
Retail term deposits grew 16.8% year-on-year, while CASA deposits fell 4.8% from June.
The CASA ratio declined to 26.71%, compared with 29.40% in the previous quarter.
Collection efficiency was 98.9%, liquidity coverage was about 137.88%, and shares closed 1.64% higher at ₹175.30.
- Who
- Bandhan Bank
- What
- Reported year-on-year growth in loans and deposits, modest sequential loan growth, and changes in its deposit mix.
- Where
- Bandhan Bank; the update gives no specific location.
- When
- For the second quarter of fiscal 2027, ended September 30; the shares closed higher on Thursday.
- Why
- The update reported the bank’s business performance, including lending, deposits, collection efficiency and liquidity.
Growth and funding strengths
Deposit-mix concerns
Loan and deposit growth
Growth and funding strengths
Loans were up 13.1% year-on-year, and deposits grew 4.7% sequentially.
Deposit-mix concerns
Loan growth was modest sequentially at 1.8%.
Deposit composition
Growth and funding strengths
Retail deposits and retail term deposits increased year-on-year, and bulk deposits rose 10% sequentially.
Deposit-mix concerns
CASA deposits fell 4.8% sequentially, lowering the CASA ratio to 26.71%; retail deposits’ share of total deposits also declined from the previous quarter.
Key facts
- Loans and advances
- ₹1,58,335 crore on September 30; up 13.1% year-on-year and 1.8% sequentially.
- Total deposits
- ₹1,72,689 crore; up 9.2% year-on-year and 4.7% sequentially.
- Retail deposits
- ₹1,25,471 crore; up 11.9% year-on-year and 2.9% sequentially.
- CASA deposits
- ₹46,131 crore; up 4.3% year-on-year but down 4.8% from June.
- CASA ratio
- 26.71%, down from 29.40% in the previous quarter and 27.97% a year earlier.
- Collection efficiency
- 98.9%, unchanged from June; EEB was 98.6% and non-EEB was 99.2%.
- Liquidity coverage ratio
- Approximately 137.88% as of September 30.
- Share price
- Closed 1.64% higher at ₹175.30 on Thursday; the stock had risen over 20% so far that year.
Sources
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