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 Limited has made a significant move in its investment portfolio by selling a substantial portion of its stake in YES Bank Limited. The transaction, which took place on September 17, 2025, involved the sale of 15,39,34,975 equity shares of YES Bank to SUMITOMO MITSUI BANKING CORPORATION at a price of Rs. 21.50 per share.

Transaction Details

The sale has resulted in a notable reduction of Bandhan Bank's shareholding in YES Bank. According to the disclosure made by Bandhan Bank to the stock exchanges:

Continued Divestment Strategy

This transaction appears to be part of a broader divestment strategy by Bandhan Bank concerning its YES Bank holdings. The bank had previously made a similar disclosure on May 09, 2025, indicating a pattern of reducing its stake in YES Bank.

Regulatory Compliance

Bandhan Bank has duly informed the stock exchanges about this transaction, adhering to the disclosure requirements under the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015. The information has been simultaneously uploaded on the bank's official website.

Market Implications

While the specific reasons for the sale have not been disclosed, such transactions can often signal strategic shifts in investment portfolios or capital reallocation decisions by financial institutions. The entry of SUMITOMO MITSUI BANKING CORPORATION as the buyer in this transaction may also be noteworthy for market observers.

Investors and market analysts will likely be watching closely to see if this transaction leads to any further developments or changes in the shareholding patterns of both Bandhan Bank and YES Bank.

As the financial landscape continues to evolve, such strategic moves by major banking players can provide insights into their investment strategies and market outlook.