Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q2 FY2027 Earnings Presentation
45 slides from Bandhan Bank's earnings presentation, Oct 28, 2026
Slide 1: Exchange filing cover letter
Ref. No.: BBL/SEC/190/2026-27 October 28, 2026 BSE Limited National Stock Exchange of India Limited Dept. of Corporate Services The Listing Department Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai - 400 001 Mumbai - 400 051 BSE Scrip
Slide 2: Investor Presentation Q2FY27
Investor Presentation Q2FY27 28th Oct 2026
Slide 3: Disclaimer
Disclaimer • This presentation is confidential and may not be copied, published, distributed or transmitted. The information in this presentation is being provided by Bandhan Bank Limited (also referred to as ‘Bank’). By attending a meeting where this presentation is made, or by reading this present
Slide 4: Key Highlights
Key Highlights 3
Slide 5: Strategic Highlights: Q2FY27
Strategic Highlights: Q2FY27 Strong Outreach Universal Bank with Customer Centricity & Capital & Liquidity Productivity & Efficiency Capabilities diversified portfolio Digitization Focus on workforce upskilling Deepening footprint and Comprehensive financial Seamless customer journeys Strong Capital
Slide 6: Key Financial Highlights: Q2FY27
Key Financial Highlights: Q2FY27 Gross Advances Secured Mix Non-EEB Book Share Of Non-East Advances ₹ 1,583.7 bn* 57.3% ₹ 1,057.5 bn 62.4%^ (13.1% YoY & 1.8% QoQ) (237 bps YoY & 42 bps QoQ) (19.8% YoY & 2.8% QoQ) (-4 bps YoY & 24 bps QoQ) Total Deposit CASA Ratio Retail Deposits Share Of Non-East De
Slide 7: Extensive Pan-India Network with Deep Market Reach
Extensive Pan-India Network with Deep Market Reach As on 30th Sep’26 Banking Outlets Share of Banking Outlets by Region Ladakh Jammu & Kashmir 6,415 outlets Himachal Pradesh 2,872 2 Uttarakhand Bank Branch 3 35 States & UTs 831 Uttar Pradesh Banking Unit Chandigarh 4 Madhya Pradesh Punjab 62 57 Chha
Slide 8: Bandhan Bank's Journey On Its Strategic Objectives
Bandhan Bank’s Journey On Its Strategic Objectives Portfolio Diversification (Higher Secured Mix) Liability Resilience (Higher Retail Deposits Share) A calibrated shift towards higher secured assets mix has strengthened Focused retail deposit strategy driving higher granularity and portfolio resilie
Slide 9: Business & Financial Overview
Business & Financial Overview 8
Slide 10: Gross Advances Mix
Gross Advances Mix All amount in ₹ Bn 13.1% Share of Loan Book 1.8% 0.0% IBPC 0.6% 1.4% 1,555.6 1,583.7 Wholesale 33.9% 1,400.4 10.0 - 33.0% Banking 29.2% 20.0 512.8 537.4 11.1% Retail 10.4% 408.2 8.9% 161.0 176.3 21.7% 124.3 Housing 22.2% 23.6% 330.6 345.4 343.8 11.1% SBAL 11.2% 13.3% 517.3 526.4 5
Slide 11: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) All amount in ₹ Bn EEB Asset Growth Number of Active Borrowers (Mn) 1.7% -0.05% 12.8 12.9 12.7 517.3 526.4 526.2 Sep'25 Jun'26 Sep'26 186.2 174.2 176.0 EEB Loan Disbursements 137.3 131.0 105.0 38.1 42.0 331.1 352.2 350.2 31.3 99.2 89.0 73.7 Sep'25 Jun'26 Sep'26
Slide 12: Housing Finance
Housing Finance All amount in ₹ Bn Housing: Product wise break-up Borrowers Bifurcation – Sep’26 Housing: Product wise share 4.0% 41.6% -0.4% 0.7% 0.9% 1.1% 56.7% 19.9% 22.9% 23.4% 345.4 343.8 330.6 1.8% 3.1 3.7 2.2 79.2 Salaried Professionals Self Employed 65.8 80.4 Housing Asset Disbursements Q2FY
Slide 13: Retail Assets
Retail Assets All amount in ₹ Bn Retail Assets: Product wise break-up Retail Assets: Product wise share 41.9% 9.0% 12.1% 12.5% 16.9% 14.8% 16.5% 9.5% 17.8% 17.6% 16.3% 18.8% 17.6% 17.0% 176.3 161.0 22.0 37.5% 38.0% 37.7% 19.5 29.0 124.3 23.8 Sep'25 Jun'26 Sep'26 11.1 Vehicle Personal Gold TD-OD Othe
Slide 14: Wholesale Banking
Wholesale Banking All amount in ₹ Bn Wholesale Banking: Product wise break-up FIG, H&E: 95% of outstanding are A- & Above category (As per external rating) As on 30th Sep’26 31.6% 4.8% A- BBB+&Below Others 4% AAA 3% 0.5% A 5% AA+ 537.4 8% 16% 512.8 A+ 45.4 10% 42.1 24.2 408.2 25.2 24.2 21.9 24.8 36.
Slide 15: Geographical Distribution of Loans & Advances
Geographical Distribution of Loans & Advances Share of Loans & Advances by Region Share of Loans & Advances by States 41% 42% 42% 7% 6% 7% 6% 22% 22% 22% 7% 7% 7% 6% 6% 15% 15% 15% 23% 24% 24% 16% 17% 17% Sep'25 Jun'26 Sep'26 9% 10% 10% West Bengal Maharashtra Bihar Gujarat MP Others 15% 14% 14% 5%
Slide 16: Deposits
Deposits All amount in ₹ Bn Deposits (₹ in Bn) Retail Deposits* (%) *CASA + Retail TD 9.2% 70.9% 74.0% 72.7% 4.7% Sep'25 Jun'26 Sep'26 1,726.9 1,648.9 1,580.7 CASA (%) 429.3 472.2 459.5 28.0% 29.4% 26.7% 734.8 793.4 Sep'25 Jun'26 Sep'26 679.2 Average SA Balance per Account (₹ in 000’) 365.3 395.9 35
Slide 17: Geographical Distribution of Deposits
Geographical Distribution of Deposits Share of Deposits by Region Share of Deposits by States 33% 32% 33% 4% 4% 4% 5% 6% 5% 15% 14% 14% 7% 6% 7% 12% 12% 11% 7% 8% 8% 40% 41% 39% 12% 11% 13% 12% 11% 11% Sep'25 Jun'26 Sep'26 4% West Bengal Maharashtra Uttar Pradesh NCT of Delhi Odisha Others 4% 4% Cat
Slide 18: Average Balances – Advances & Deposits
Average Balances – Advances & Deposits All amount in ₹ Bn Average Advances Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 QoQ % YoY % EEB 520.5 515.2 501.0 524.6 522.6 -0.4% 0.4% Housing Finance 326.6 332.4 339.6 346.3 344.1 -0.6% 5.4% Retail Assets 114.1 127.8 143.4 155.9 163.9 5.1% 43.7% Wholesale Banking 369
Slide 19: Geographical Distribution of Banking Outlets
Geographical Distribution of Banking Outlets Banking Outlets Regional Diversification with Strong SU-RU Presence As on 30th Sep’26 Additional 68 Banking Outlets 12% 33% 18% Metro Urban 6,347 6,388 6,415 37% Semi Urban Rural 1,754 1,988 2,001 Share of Banking Outlets by Region 4,593 4,400 4,414 Sep'2
Slide 20: Asset Quality
Asset Quality 19
Slide 21: Segmental NPA and Credit Cost
Segmental NPA and Credit Cost Segmental GNPA (₹ in Bn) Credit Cost 70.2 3.4% 3.4% 3.0 1.8% 1.8% 1.8% 8.7 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 9.1 48.8 49.2 3.4 Gross NPA and Net NPA 3.5 6.3 5.9 74.2% PCR incl. 74.3% SRs 8.0 8.1 73.7% 74.3% 71.2% PCR 49.4 5.0% 71.1% 31.0 31.8 3.1% 3.1% 1.4% 0.9% 0.9% S
Slide 22: NPA movement
NPA movement All amount in ₹ Bn Particulars Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q2FY27 FY25 FY26 Opening GNPA (A) 66.2 70.2 48.0 50.2 48.8 47.8 64.4 Fresh Slippages (B) 15.9 13.1 10.3 10.8 11.3 53.7 54.8 Reductions (C) : - Recoveries & Upgrades 3.2 9.2 3.6 4.5 4.8 13.1 19.3 - Technical Write offs 8.7 0.1 4.
Slide 23: EEB Collection Efficiency
EEB Collection Efficiency Top states Collection Efficiency for the Month Collection Efficiency for the Quarter States Jun’26* Sep’26* Q1FY27 Q2FY27 Excluding Arrears Excluding Arrears 110.6% 108.4% 99.3% 98.9% West Bengal 98.2% 98.6% 98.7% 99.4% 95.8% 111.7% 95.4% 110.0% 98.6% 98.5% 95.0% 94.7% Assa
Slide 24: EEB DPD movement
EEB DPD movement SMA 0 SMA 1 ₹ 15.8 bn; 3.1 % ₹ 5.3 bn; ₹ 4.6 bn; ₹ 4.3 bn; ₹ 9.6 bn; 1.0 % 1.8% ₹ 7.5 bn; 0.9 % 0.8% Rest of India 2.0% 1.8 % 1.4% 1.1% 0.7% 0.7% 1.0% 1.0% 0.8% 0.6% 0.5% 0.7% 4.9% 1.3% Assam 2.9% 1.9% 1.0% 1.2% 1.0% Sep'25 Jun'26 Sep'26 Sep'25 Jun'26 Sep'26 West Bengal SMA 2 NPA ₹
Slide 25: EEB - Stress Pool and Vintage Analysis
EEB - Stress Pool and Vintage Analysis All amount in ₹ Bn Vintage Analysis Q12025 Q22025 Q32025 Q42025 Q12026 Q22026 Q32026 Q42026 1Q2027 7.5% 6.8% 6.9% 7.0% 7.0% 6.4% 6.6% 6.5% 6.1% 5.8% 5.9% 5.8% 5.7% 5.8% 5.4% 5.5% 5.5% 5.2% 4.9% 4.5% 4.6% 4.3% NPA (%) 4.5% 4.2% 4.0% 3.5% 3.8% 4.0% 2.9% 2.5% 1.5%
Slide 26: Financials
Financials 25
Slide 27: Financial Performance (1/2)
Financial Performance (1/2) All amount in ₹ Bn Operating Profit 18.8% -2.1% Net Interest Income 14.6% 10.0% 29.8 29.2 13.1 13.6 15.6 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 14.4% PAT 1.4% 455.7% 132.0% 58.8 53.5 23.9% 29.2 29.6 25.9 11.2 1.1 5.0 6.2 4.8 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2
Slide 28: Financial Performance (2/2)
Financial Performance (2/2) Spread (Annualized) 12.1% 12.0% 11.9% 12.4% 12.0% 6.9% 6.4% 5.6% 6.4% 7.0% 6.4% 5.6% 5.2% 5.5% 5.4% Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Yield Cost of funds (Excl Cap.) Spread Capital Adequacy Ratio (incl. Profit) NIM (Annualized) CRAR 18.6% 18.2% 18.3% 0.8% 0.7% 0.6% 6.2%
Slide 29: Break up of Non-Interest Income
Break up of Non-Interest Income All amount in ₹ Mn Details of other Income Q2FY26 Q1FY27 Q2FY27 QoQ YoY H1FY26 H1FY27 YoY Processing Fees 1,937 1,927 2,511 30.3% 29.6% 3,635 4,438 22.1% Third Party Income 1,234 1,235 1,555 25.9% 26.0% 2,072 2,790 34.6% P&L on Investment sale and Revaluation 187 238
Slide 30: Financial Performance
Financial Performance ROA (Annualized) Operating expenses to Average Assets (Annualized) 1.2% 1.1% 1.0% 0.5% 4.3% 4.1% 4.2% 3.8% 3.8% 0.2% Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 Q2FY26 Q1FY27 Q2FY27 H1FY26 H1FY27 ROE (Annualized) Cost to Income Ratio 9.3% 8.5% 7.7% 58.2% 61.5% 57.5% 59.5% 3.8% 55.0% 1.8
Slide 31: Profit & Loss Statement
Profit & Loss Statement All amount in ₹ Bn Particulars Q2FY26 Q1FY27 Q2FY27 QoQ YoY H1FY26 H1FY27 YoY Interest Income 53.5 56.3 57.5 2.2% 7.5% 108.3 113.8 5.1% Interest expenses 27.7 27.1 27.9 3.1% 1.0% 54.8 55.0 0.3% Net Int. Income (NII) 25.9 29.2 29.6 1.4% 14.4% 53.5 58.8 10.0% Non Interest Incom
Slide 32: Balance Sheet
Balance Sheet All amount in ₹ Bn Capital & Liabilities 30th Sep’25 31st Mar’26 30th Sep’26 YoY Capital 16.1 16.1 16.1 0.0% Employees stock options outstanding 2.9 3.2 3.3 14.1% Reserves & Surplus 229.7 236.5 245.3 6.8% Shareholders Funds 248.7 255.7 264.7 6.4% Deposits 1,580.7 1,663.4 1,726.9 9.2% B
Slide 33: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Bn) RR2 2.66 RR3 2.06 Security Receipts w.r.t portfolio sale to ARC CRISIL RR5 1.28 Unrated ~ 0.006 [ICRA]AA- (Stable) ICRA Non-Convertible Debenture # 2.30** CRISIL AA-/Stable CRISIL CRISIL A1+ CRISIL C
Slide 34: Digital Offering and Indices
Digital Offering and Indices 33
Slide 35: Digital Adoption Scorecard – Key digital indices
Digital Adoption Scorecard – Key digital indices 98% 93% 73% 27% of Retail transactions Saving Accounts of MF transactions are Online Deposit Contribution are digital opened digitally # digital to Overall Fixed Deposits 99.9 % 90% 13% 60% of GST transactions of CBDT Payments Q-o-Q Growth in transact
Slide 36: mBandhan Lite App – Empowering EEB customers
mBandhan Lite App – Empowering Emerging Entrepreneurs Business (EEB) customers Through Secure Digital Banking Accelerating Financial Inclusion by Delivering Trusted Banking Services Anytime, Anywhere 35
Slide 37: Transforming Digital Banking with mBandhan 2.0 & Retail Internet Banking
Transforming Digital Banking with mBandhan 2.0 & Retail Internet Banking Welcome Rishabh! 36
Slide 38: Our Board & Management
Our Board & Management 37
Slide 39: Strong Independent Board (1/2)
Strong Independent Board Board of Directors (1/2) Mr. Debasish Panda Partha Pratim Sengupta Rajinder Kumar Babbar Non-Executive Chairman Managing Director & Chief Executive Officer Executive Director & Chief Business Officer - A 1987 batch IAS Officer, having distinguished career - A career banker,
Slide 40: Strong Independent Board (2/2)
Strong Independent Board Board of Directors (2/2) Veni Thapar Arun Kumar Singh Independent Director Vijay N Bhatt RBI (Nominee) Additional Director Independent Director - Appointed by RBI as an additional director effective June 24, 2024, - CA & CMA with over 29 years of extensive experience in and
Slide 41: Core Management Team (1/2)
Experienced and professional team… Core Management Team (1/2) Partha Pratim Sengupta Managing Director & Chief Executive Officer • 40+ years of experience in banking industry • Previously served as MD & CEO of Indian Overseas Bank Rajinder Kumar Babbar Ratan Kumar Kesh Executive Director & Chief Bus
Slide 42: Core Management Team (2/2)
Experienced and professional team… Core Management Team (2/2) Pinaki Halder Rajesh Kumar Srivastava Chief Information Officer Head-Liability & Transaction Operations and Operations Support Group • 29+ years of experience in Banking Industry • 30+ years of experience in Banking industry. • Previously
Slide 43: Awards and accolades
Awards and accolades 42
Slide 44: Awards and accolades
Awards and accolades ET Edge Best BFSI Brands Award, 2026: Bandhan Bank has been honoured with one of the Best BFSI Brands 2026 at the 9th Edition of ET Edge Best BFSI Brands, held in Mumbai. The Bank earned its place among India’s leading BFSI brands following a rigorous research-based evaluation c
Slide 45: Thank You
Thank You For information contact: Vikash Mundhra, Head – Investor Relations [email protected]