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Housing loan asset quality deterioration
View Risks →Bandhan Bank Limited — Q3 FY26
Bandhan Bank reported Q3 FY26 PAT of ₹206 crore, up 84% QoQ but down 52% YoY, impacted by a ₹120 crore labor code provision and NPA sale costs.
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Bandhan Bank reported Q3 FY26 PAT of ₹206 crore, up 84% QoQ but down 52% YoY, impacted by a ₹120 crore labor code provision and NPA sale costs. Advances grew 10% YoY to ₹1.45 lakh crore, with secured book at 57% of portfolio. NIM improved to 5.9% (up 10bps QoQ) as cost of funds eased. GNPA fell sharply to 3.3% from 5.1% in Q2, aided by ARC sales of ₹3,165 crore. Management guided for credit cost of 1.6-1.7% by FY27-end and expects NIM to improve further. Key risk: elevated slippages in the housing loan segment and potential election-related disruption in West Bengal (42% of MFI book).
बंधन बैंक ने तीसरी तिमाही में 206 करोड़ रुपये का मुनाफा कमाया। यह पिछली तिमाही से 84% ज्यादा है, लेकिन पिछले साल की तुलना में 52% कम है। इसकी वजह 120 करोड़ रुपये का कर्मचारी भत्ता खर्च और कर्ज बेचने की लागत है। बैंक ने 10% ज्यादा कर्ज बांटा, जो अब 1.45 लाख करोड़ रुपये है। इसमें 57% सुरक्षित कर्ज है। ब्याज कमाई दर 5.9% हो गई, क्योंकि बैंक को सस्ता फंड मिला। खराब कर्ज 5.1% से घटकर 3.3% रह गया, क्योंकि बैंक ने 3,165 करोड़ रुपये के कर्ज ARC को बेचे। आगे बैंक का अनुमान है कि खराब कर्ज का खर्च 1.6-1.7% रहेगा और ब्याज कमाई बढ़ेगी। लेकिन सावधानी: मकान कर्ज में ज्यादा डिफॉल्ट और पश्चिम बंगाल में चुनाव से परेशानी हो सकती है।
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Read Transcript →Quarter Snapshot
Gross NPA ratio
3.3%
-180bps QoQ
Improved from 5.1% in Q2 FY26 due to ARC sale of ₹3,165 crore NPA pool.
Net NPA ratio
1.0%
-40bps QoQ
Net NPA declined from 1.4% in Q2, reflecting better asset quality.
CASA ratio
27%
-4pp YoY
CASA declined due to savings rate cuts; retail term deposits grew 36% YoY.
Collection efficiency (EB, Dec)
98.0%
+50bps QoQ
Improved from 97.5% in Sep; overall collection efficiency ex-NPA at 98.1%.
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Guidance and risk preview
Management reiterated guidance for overall credit cost to reach 1.6-1.7% by the last quarter of FY27, with EB segment at 2.5-3%.
Housing loan NPAs have been rising; management cited legacy underwriting issues and is implementing process changes.
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