Archive · 22 Jul 2026
Bandhan Bank Q1FY'27 Profit Rises 35%
Bandhan Bank, a private sector lender based in Kolkata, reported a 35% increase in net profit for the first quarter of the 2026-27 financial year.
The bank's net profit rose to Rs 502 crore, up from Rs 372 crore in the same period last year.
Gross advances grew by 16.4% to Rs 1,55,555 crore, and net interest income increased by 5.9% to Rs 2,921 crore.
The bank's asset quality improved, with gross non-performing assets (NPA) at 3.1% and net NPA at 0.9%.
The provision coverage ratio stood at 85.9%, and the capital adequacy ratio was 18.2%.
However, the bank's shares fell sharply after it reduced its return on assets (RoA) guidance, citing narrower net interest margins and higher operating expenses.
The bank's managing director, Partha Pratim Sengupta, attributed the performance to the bank's resilience and stakeholder trust.
The bank also announced the appointment of Vinay Jain as interim chief financial officer.
Bandhan Bank's net profit for Q1FY'27 rose 35% to Rs 502 crore.
Gross advances grew 16.4% to Rs 1,55,555 crore.
Net interest income increased 5.9% to Rs 2,921 crore.
Gross NPA improved to 3.1% and net NPA to 0.9%.
Bandhan Bank shares fell 16.92% to Rs 173.50 after reducing RoA guidance to 1.2-1.4%.
- Who
- Bandhan Bank Ltd
- What
- Reported a 35% year-on-year rise in net profit for Q1FY'27
- When
- April-June 2026
- Where
- Kolkata, India
- Why
- Due to growth in gross advances, net interest income, and improved asset quality
Growth Optimists
Risk Assessors
Profit Growth
Growth Optimists
The 35% increase in net profit indicates strong financial health and effective business strategies.
Risk Assessors
While profit growth is positive, the decline in capital adequacy ratio to 18.2% may pose future risks.
Asset Quality
Growth Optimists
Improvement in gross and net NPA ratios shows better asset quality and risk management.
Risk Assessors
The provision coverage ratio of 85.9% is high, indicating significant reserves for potential losses.
Profitability Outlook
Growth Optimists
The bank's focus on customer-led, digitally enabled growth and product expansion is promising.
Risk Assessors
The revised RoA guidance and margin pressure raise concerns about future earnings growth.
- Net Profit
- Rs 502 crore
- Gross Advances
- Rs 1,55,555 crore
- Net Interest Income
- Rs 2,921 crore
- Net Total Income
- Rs 3,524 crore
- Gross NPA
- 3.1%
- Net NPA
- 0.9%
- Provision Coverage Ratio
- 85.9%
- Capital Adequacy Ratio
- 18.2%
- RoA Guidance
- 1.2-1.4% (revised from 1.6-1.8%)
- Stock Price
- Rs 173.50 (down 16.92%)
