Provision Coverage Ratio (Including Technical Write-offs) as of March 31, 2025, is 86.5% vs. 84.5% in the previous year. Excluding technical write-off, PCR stands at 73.7%.
FinTech BizNews Service
Mumbai, April 30, 2025: The Board of Directors of Bandhan Bank Limited approved the Bank’sfinancial results for the quarter and full year ended March 31, 2025, at its meeting held in Kolkata on Wednesday, April 30, 2025.
The statutory auditors have audited the financial statements for the quarter and year ended March
31, 2025.
FINANCIAL RESULTS
Financials for the Year ended March 31, 2025
The Bank’s net revenue for FY25 was Rs 14,458 crore as compared to Rs 12,490 crore in FY24: a
growth of 16% YoY.
Net interest income (NII) for FY25 stood at Rs 11,491 crore compared to Rs 10,319 crore in FY24; a
growth of 11% YoY.
Net Interest Margin (NIM) for FY25 stood at 7.1%.
Operating Profit was Rs 7,389 crore in FY25 compared to Rs 6,639 crore in FY24, up 11% YoY.
The provisions (other than tax) & contingencies charged to the Profit and Loss for FY25 were at Rs
3,765 crore compared to Rs 3,697 crore in FY24, up 2%.
The profit after tax for the financial year ended March 31, 2025, stood at Rs 2,745 crore compared
to Rs 2,230 crore, registering a growth of 23% YoY.
The Bank’s FY25 RoA stood at 1.5% and RoE at 11.6% for FY25
As of March 31, 2025, the Bank’s capital adequacy ratio stood at 18.7% as against a regulatory
requirement of 11.5%.
Financials for the quarter ended March 31, 2025
The Bank’s net revenue for Q4 FY25 was Rs 3,456 crore as compared to Rs 3,560 crore in Q4 FY24;
a decline of 3% YoY.
Net interest income (NII) for Q4 FY25 stood at Rs 2,756 crore compared to Rs 2,859 crore as of Q4
FY24, representing a de-growth of 4% YoY.
Net Interest Margin (NIM) for the quarter was 6.7%.
Operating Profit was Rs 1,571 crore in Q4 FY25 compared to Rs 1,838 crore in Q4 FY24.
The provisions (other than tax) & contingencies charged to the Profit and Loss for Q4 FY25 were
lower at Rs 1,260 crore compared to Rs 1,774 crore in Q4 FY24
The profit after tax for the quarter ended March 31, 2025, stood at Rs 318 crore compared to Rs 55
crore, registering a growth of 483% YoY.
Asset Quality
The collection efficiency for EEB loans was at 97.8% for Q4 FY25, slightly higher than 97.4% in
Q3FY25.
Provision Coverage Ratio (Including Technical Write-offs) as of March 31, 2025, is 86.5% vs. 84.5%
in the previous year. Excluding technical write-off, PCR stands at 73.7%.
Deposits
As of March 31, 2025, total deposits stood at Rs 1.51 lakh crore as against Rs 1.35 lakh crore in the
previous year – a growth of 12% YoY.
CASA Deposits stood at Rs 47,437 crore and CASA Ratio stood at 31.4%; CASA + Retail TD to total
deposit ratio stands at around 69%.
Advances
As of March 31, 2025, Gross Advances stood at Rs 1.37 lakh crore as against Rs 1.25 lakh crore in
the previous year – a growth of 10% YoY.
On a YoY basis, Retail book (other than housing) grew 98%, Wholesale Banking grew 35%, and the
Housing book showed a growth of 11% (18% YoY excluding IBPC).
Distribution Network
The Bank’s distribution network spans more than 6,300 outlets. The Bank currently has nearly
75,000 employees
Speaking on the Bank’s performance, MD & CEO, Partha Pratim Sengupta said, “Bandhan Bank’s
performance reflects balanced, sustainable growth driven by strong governance, risk management, and
stakeholder trust. As we evolve into Bandhan Bank 2.0, our focus remains on customer-centric, digital-first
solutions, expanding distribution, diversifying assets, and enhancing experiences—positioning us for long-
term value and future growth.”
Key Highlights of Full-Year Performance
