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 , a prominent player in the Indian banking sector, has announced significant changes to its board of directors and leadership team. The bank's Board of Directors has approved two key appointments that are set to shape its future governance and operations.

New Addition to the Board

Avijit Mukerji has been appointed as an Additional Non-Executive Non-Independent Director on Bandhan Bank's board, effective September 25, 2025. Mukerji, a nominee of Bandhan Financial Holdings Limited (BFHL), the bank's promoter, brings with him a wealth of experience in audit and assurance.

Mukerji's appointment is subject to shareholder approval, which must be obtained within three months. His extensive background includes:

• Over three decades of experience in audit and assurance
• Former senior partner at PricewaterhouseCoopers (PwC) India
• Founder and managing partner of TatvaSutra Solutions LLP, a boutique investment and equity research firm
• Independent directorships at Bandhan Financial Holdings Limited, Balaji Telefilms Limited, and India Carbon Limited

During his tenure at PwC India, Mukerji held several leadership roles, including membership on the PwC India Board and Leadership team, and served as Managing Partner of the Eastern Region. His expertise in digital transformation is evident from his role as Transformation Leader, where he was responsible for the digital upskilling of 14,000 partners and staff.

Re-appointment Recommendation

In addition to Mukerji's appointment, the board has recommended the re-appointment of Ratan Kumar Kesh as Whole-time Director and Chief Operating Officer for a further period of 3 years, effective March 31, 2026. This re-appointment is subject to approvals from the Reserve Bank of India (RBI) and shareholders.

Kesh's profile highlights include:

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

Both Mukerji and Kesh are not related to any other board members and face no regulatory disqualifications for their respective positions.

These appointments reflect Bandhan Bank's commitment to strengthening its leadership team with experienced professionals. The bank continues to focus on technology, digital transformation, and operational excellence as it moves forward in the competitive banking landscape.

Shareholders and market observers will be watching closely as these changes take effect, potentially influencing the bank's strategic direction and operational efficiency in the coming years.