Bandhan Bank's Q4 advances rise 10.6% to ₹1.37 lakh crore, deposits up 11.8%

Private lender Bandhan Bank Ltd on Thursday (April 3) reported a 10.6% year-on-year (YoY) increase in total loans and advances (including Pass-Through Certificates), reaching ₹1.37 lakh crore as of March 31, 2025. Sequentially, advances grew 4.5% from the previous quarter.

Total deposits rose 11.8% year-on-year to ₹1.51 lakh crore, reflecting a 7.2% growth over the December 2024 quarter. Bulk deposits increased by 13.7% year-on-year and 6.5% sequentially, reaching ₹47,056 crore.

CASA deposits stood at ₹47,436 crore, marking a 5.4% year-on-year decline but a 6% sequential rise. The CASA ratio stood at 31.45%, down from 37.1% a year ago and slightly lower than 31.7% in the previous quarter. The bank’s Liquidity Coverage Ratio (LCR) stood at approximately 177.54% as of March 31, 2025.

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Bandhan Bank reported a 41.8% year-on-year (YoY) decline in net profit at ₹426.5 crore for the third quarter that ended December 31, 2024. In the corresponding quarter of the previous fiscal, Bandhan Bank posted a net profit of ₹732.7 crore, the bank said in a regulatory filing.

Net interest income (NII), which is the difference between the interest income a bank earns from its lending activities and the interest it pays to depositors, increased 12.1%, coming at ₹2,830.3 crore against ₹2,525.4 crore in the corresponding quarter of FY24.

The gross non-performing asset (GNPA) was flat at 4.68% in December. Net NPA came at 1.28% against 1.29% quarter-on-quarter. Gross advances grew 14% YoY to ₹1.32 lakh crore as of December 31, 2024, compared to ₹1.16 lakh crore in the previous year.

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Shares of Bandhan Bank Ltd ended at ₹156.65, up by ₹5.15, or 3.40%, on the BSE.