FILE PHOTO: Bandhan Bank in Calcutta | Photo credit: RUPAK DE CHOWDHURI
The bank had reported loans and advances worth ₹1,32,019 crore in the corresponding period of the previous fiscal.
According to the preliminary business update submitted to the stock exchanges, the bank’s total deposits rose 11.1 per cent to ₹156,723 crore during the quarter under review, compared to ₹141,002 crore as on December 31, 2024.
However, on a sequential basis, total deposits saw a marginal decline of 0.9 per cent from ₹1,58,075 crore in the September 2025 quarter.
The bank’s retail franchise remained strong with retail deposits (including CASA) rising 17.2 per cent year-on-year to ₹1,13,420 crore. Retail term deposits witnessed a sharp rise of 35.8 per cent to reach ₹70,690 crore against ₹52,063 crore in the same period a year ago.
As a result, the share of retail deposits in the total deposit segment improved to 72.37 percent from 68.65 percent a year ago.
However, the lender’s low-cost CASA (Current Account Savings Account) deposits fell 4.5 per cent to ₹42,730 crore, compared to ₹44,735 crore in the December 2024 quarter. This led to a contraction in the CASA ratio to 27.26 per cent, compared to 31.73 per cent in the same period last year and 27.97 per cent in the previous September quarter.
Bulk deposits also saw a decline of 2.0 per cent year-on-year to ₹43,303 crore. The ratio of volume to total term deposits stood at 37.99 percent as of December 31, 2025, marking a significant decline from 45.92 percent in the corresponding period last year.
On the operational front, Bandhan Bank reported an improvement in pan-bank collection efficiency. The overall collection efficiency (excluding NPAs) stood at 98.1 percent for the month of December 2025, compared to 97.8 percent in September 2025.
The Emerging Entrepreneurs Business (EEB) segment saw collection efficiency increase from 97.5 percent in September to 98.0 percent in December. The non-EEB segments maintained a stable efficiency of 98.3 percent.
The bank’s liquidity position remained comfortable; the Liquidity Coverage Ratio (LCR) was approximately 149.14 percent as of December 31.
Published on January 4, 2026
#Bandhan #Bank #loans #grow #December #quarter #deposits #rise