Mumbai: Bandhan Bank on Sunday reported moderate balance-sheet expansion for the quarter ended December 31, 2025, marked by steady credit growth and a sharper focus on retail deposit mobilisation.
In an initial unaudited disclosure to stock exchanges, the lender said loans and advances, including pass-through certificates (PTC), increased 10% year-on-year to ₹1,45,227 crore, compared with ₹1,32,019 crore a year earlier. On a sequential basis, advances rose 3.7% over the September quarter.
Total deposits stood at ₹1,56,723 crore at the end of December, up 11.1% from a year ago, though down 0.9% quarter-on-quarter. CASA deposits declined 4.5% YoY to ₹42,730 crore, pulling the CASA ratio down to 27.26% from 31.73% a year earlier, reflecting intense competition for low-cost deposits.
Retail term deposits rose sharply by 35.8% YoY to ₹70,690 crore, helping lift the share of retail deposits in total deposits to 72.37%, from 68.65% a year ago. Bulk deposits, in contrast, fell 2% YoY and 5.8% sequentially, indicating a calibrated reduction in reliance on wholesale funding.
Asset quality indicators showed stability, with the bank reporting pan-bank collection efficiency of 98.1% in December, compared with 97.8% in September. Liquidity coverage ratio (LCR) remained comfortable at around 149%, well above regulatory thresholds.
The bank said the figures are provisional and subject to review by the audit committee, board of directors and statutory auditors. Detailed financial results, including profitability and asset quality, will be announced later.