Bandhan Bank , a prominent player in India's banking sector, has released its quarterly results, showcasing steady growth across key financial metrics. The bank's performance indicates resilience in a competitive market environment.

Loan and Deposit Growth

Bandhan Bank demonstrated strong growth in both its loan portfolio and deposit base:

The bank's loan book expanded to ₹1.40 lakh crore, marking a year-on-year increase of 7.2% and a quarter-on-quarter growth of 4.8%. This growth suggests a steady demand for credit and the bank's ability to capitalize on market opportunities.

Deposit Composition

Bandhan Bank's deposit mix showed significant changes:

The bank witnessed a substantial surge in retail term deposits, which grew by 39% year-on-year to ₹68,539 crore. However, CASA (Current Account Savings Account) deposits experienced a decline of 6.5% year-on-year, settling at ₹44,214 crore.

Improved Deposit Mix

Bandhan Bank's focus on retail deposits has yielded positive results:

• The retail-to-total deposit ratio improved to 71.4% from 68.2% in the previous quarter.
• The CASA ratio stood at 28.0%, showing a slight improvement from the previous quarter's 27.1%.

Other Key Metrics

• Collection Efficiency: The bank's collection efficiency saw a marginal improvement, rising to 98.0% from 97.9% in the previous quarter.
• Liquidity Coverage Ratio (LCR): The LCR stood at approximately 152.68%, indicating a strong liquidity position.

Market Performance

Bandhan Bank's shares closed at ₹165.90 on the trading day, registering a gain of 1.50%. This positive market response suggests investor confidence in the bank's quarterly performance.

In conclusion, Bandhan Bank's results reflect a robust growth trajectory, particularly in its loan book and retail deposit base. The bank's strategic focus on retail deposits and improved collection efficiency positions it well for sustained growth in the coming periods.

Bandhan Bank has received regulatory approval for a key leadership re-appointment, marking a significant milestone in its governance structure. The Reserve Bank of India has granted approval for the re-appointment of a senior executive, while the bank had earlier announced the addition of a new director to its board.

RBI Grants Approval for Executive Director Re-appointment

The Reserve Bank of India, through its letter dated December 26, 2025, has granted approval for the re-appointment of Ratan Kumar Kesh as Executive Director of Bandhan Bank. The approval comes in continuation to the bank's earlier disclosure dated September 25, 2025, regarding the board's recommendation for his re-appointment.

The re-appointment is subject to shareholder approval, and Kesh will continue in his role as Chief Operating Officer and Key Managerial Personnel of the bank.

Leadership Profile and Experience

Kesh brings extensive banking experience to his continued role at Bandhan Bank. His professional background includes:

• 27 years of comprehensive banking experience across various domains
• Leadership roles in Technology, Digital and Transaction Excellence, Operations, and Customer Experience at Bandhan Bank
• Served as Interim MD&CEO of Bandhan Bank from July to October 2024
• Recognition among India's top 25 Emerging Tech Leaders by BIOCON Network in collaboration with MeitY

Earlier Board Addition

Prior to the RBI approval, Bandhan Bank had announced the appointment of Avijit Mukerji as Additional Non-Executive Non-Independent Director, effective September 25, 2025. Mukerji, a nominee of Bandhan Financial Holdings Limited, brings over three decades of audit and assurance experience, including his former role as senior partner at PricewaterhouseCoopers India.

Regulatory Compliance and Governance

Both appointments reflect the bank's commitment to maintaining strong governance standards. Kesh is not related to any other board members and faces no regulatory disqualifications for his position. The bank has ensured compliance with SEBI LODR regulations through timely disclosures to stock exchanges.

These leadership developments position Bandhan Bank to continue its focus on technology, digital transformation, and operational excellence in the competitive banking sector.