Bandhan Bank reported a 10.6% y-o-y growth in total loans and advances (including PTC) as of March 31, 2025, to ₹1.37 lakh crore. Total advances grew 4.5% quarter-on-quarter as compared to the December 2024 quarter.
Total deposits grew 11.8% y-o-y to ₹1.51 lakh crore, compared to a 7.2% sequential growth in the previous quarter. Wholesale deposits grew 13.7% y-o-y and 6.5% q-o-q.
CASA deposits stood at ₹47,436 crore, down 5.4% over the same period last year but up 6% q-o-q. The CASA ratio declined from 37.1% to 31.45% in March 2024 and 31.7% in December 2024, indicating a shift towards fixed deposits.
Its liquidity coverage ratio (LCR) of 177.54% (March 31, 2025) indicates strong liquidity levels. Net profit for Q3 FY25 for Bandhan Bank recorded a 41.8% year-on-year decline to ₹426.5 crore as against ₹732.7 crore in Q3 FY24.
Net interest income (NII), which is the difference between revenue generated from lending activities and interest paid to depositors, grew 12.1% year-on-year to ₹2,830.3 crore as against ₹2,525.4 crore in Q3 FY24.
The gross non-performing asset (GNPA) ratio stood at 4.68% as of December 31, 2024, unchanged year-on-year. The net NPA ratio improved marginally to 1.28% from 1.29% a quarter ago. Gross advances grew 14% year-on-year to ₹1.32 lakh crore as of December 31, 2024, compared to ₹1.16 lakh crore previously.
Bandhan Bank loans gain 10.6% y-o-y, deposits reach ₹1.51 lakh crore
