According to reports from CNBC TV18, Bandhan Bank reported loan growth of 13.1% year-on-year to ₹1,58,335 crore as of September 30, compared to ₹1,40,041 crore in the same period last year. However, on a sequential basis, advances showed modest growth of 1.8% from ₹1,55,555 crore as of June 30. The bank's loan portfolio includes both on-book and PTC assets, indicating a diversified funding approach.
As reported by CNBC TV18, total deposits reached ₹1,72,689 crore, representing a 9.2% year-on-year increase and 4.7% sequential growth. Retail deposits stood at ₹1,25,471 crore, growing 11.9% YoY and 2.9% QoQ. Retail term deposits showed strong performance with 16.8% YoY growth and 8% QoQ increase to ₹79,340 crore. However, CASA deposits declined to ₹46,131 crore, up 4.3% YoY but down 4.8% sequentially, resulting in the CASA ratio falling to 26.71% from 29.40% in the previous quarter. The latest figures show retail funds making up about 72.7% of total deposits, with the CASA ratio easing to 26.7% amid stronger growth in retail term and bulk deposits.
According to the business update reported by CNBC TV18, bulk deposits stood at ₹47,218 crore, rising 2.8% YoY and 10% QoQ. Retail deposits accounted for 72.66% of total deposits, compared with 73.96% in the previous quarter. The shift towards retail term and bulk deposits, alongside the sequential decline in CASA, represents a significant change in the bank's funding composition that will require monitoring as the bank's funding mix evolves.
As reported by CNBC TV18, collection efficiency remained strong at 98.9%, unchanged from June. The emerging entrepreneurs and enterprises (EEB) segment showed marginal improvement with collection efficiency rising to 98.6% from 98.5%, while the non-EEB segment moderated to 99.2% from 99.4%. The bank's liquidity coverage ratio stood at approximately 137.88% as of September 30, indicating strong liquidity position. The latest figures show the bank's Liquidity Coverage Ratio at about 137.9%, suggesting comfortable buffers against short-term funding stress.
According to CNBC TV18, Bandhan Bank shares ended 1.64% higher at ₹175.30 on Thursday, with the stock having climbed over 20% so far this year. The positive market response reflects investor confidence in the bank's operational performance despite the mixed sequential growth patterns in both loans and deposits. The provisional unaudited figures remain subject to review by the board and statutory auditors.
