Earnings Review
Despite low provisions, fall in income drags Bandhan Bk PAT
This story was originally published at 16:55 IST on 22 January 2026
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By Nandini Sinha
MUMBAI – Bandhan Bank Ltd. reported a significant on-year fall in its net profit for the December quarter due a sharp decline in its total income, particularly its other income. The fall in net profit far exceeded the street's estimates. A sharp fall in the bank's provisions, however, limited a further fall in its profit.
Bandhan Bank's net profit for the December quarter was INR 2.06 billion, down nearly 52% from INR 4.27 billion in the year-ago quarter. Analysts had estimated the bank's net profit to be INR 3.6 billion. Sequentially, the Kolkata-based lender's net profit rose 84% on year.
The bank's net interest income was INR 26.9 billion for the December quarter, down 4.5% on year. Sequentially, the net interest income was up 3.8%. Analysts had estimated Bandhan Bank's net interest income to be INR 27.16 billion.
The bank's other income was down 38% on year in the December quarter to INR 6.91 billion. In the December quarter last year, the bank had a one-off income of INR 5.38 billion under this which pushed up the base. Albeit low, in Oct-Dec too, Bandhan Bank had a one-off income of INR 1.26 billion, from cash received from sale of written-off portfolio to asset restructuring companies.
The bank's operating expenses, excluding employee costs, during the quarter under review also rose over 18% on year to INR 8 billion, eating into the profit. More
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