Bandhan Bank Q2 FY27 Results & Earnings Intelligence
BANDHANBNKStructural risk assessment following Q2-FY27 | 30 Sep 26 earnings.
₹6,458.4 Cr
+9.5% YoY•+3.6% QoQ
₹172,688.3 Cr
+9.2% YoY
₹621.8 Cr
+455.8% YoY•+23.9% QoQ
15/ 100
−5 pts QoQ
The Quarter at a Glance
Consolidated Financials| Metric | Q2-FY27 | 30 Sep 26 | Q2-FY26 | 30 Sep 25 | YoY Δ | Q1-FY27 | 30 Jun 26 | QoQ Δ |
|---|---|---|---|---|---|
| Total Revenue / Interest Earned | ₹6,458.4 Cr | ₹5,900.3 Cr | +9.5% | ₹6,234.4 Cr | +3.6% |
| Advances Growth | ₹154,600.5 Cr | ₹134,592.8 Cr | +14.9% | N/A | N/A |
| Deposit Mobilization | ₹172,688.3 Cr | ₹158,074.6 Cr | +9.2% | N/A | N/A |
| Gross NPA | 3.11% | 5.02% | -191 bps | 3.15% | -4 bps |
| Capital Adequacy (CAR) | 18.32% | 18.23% | +9 bps | 18.15% | +17 bps |
| Net Profit (PAT) | ₹621.8 Cr | ₹111.9 Cr | +455.8% | ₹501.7 Cr | +23.9% |
Sources:Official BSE/NSE Disclosures & Financial Filings
RBI Basel III mandates a minimum 11.5% Capital Adequacy Ratio. Reported CAR of 18.3% provides a +6.8% surplus buffer over statutory requirements. Asset quality (Gross NPA): 3.11%.
Sentinel Executive Summary
Core Earnings Synthesis"Bandhan Bank Limited currently sits within Flagium's Stable category. However, recent periods have remained stable with minor operational friction. Steady top-line performance and clean accounting records help keep structural risk contained. Current deterioration appears cyclical rather than existential."
Bandhan Bank Limited posted steady top-line growth and bottom-line stability, demonstrating resilient execution in its core markets. While the underlying business remains fundamentally sound, the presence of 0 active risk warnings highlights minor operational or working capital inefficiencies to keep on the watch list.
🟢 Key Operational & Structural Positives
- ✓Revenue Growth: Quarterly revenue moved +9.5% YoY and +3.6% QoQ, reflecting demand and volume trends.
- ✓Net Profit Expansion: Profit after tax moved +455.8% YoY and +23.9% QoQ, settling at ₹621.8 Cr.
- ✓Core Operating Revenue Growth: Revenue from operations (core business, ex-other income) moved +2.2% QoQ, reaching ₹5,753.6 Cr.
⚠️ Key Areas of Watch & Margin Pressures
- ⚠Funding & liquidity dynamics: Track loan-to-deposit ratio and deposit mobilization pace against credit demand.
- ⚠NIM & funding costs: Monitor cost of funds repricing and net interest margin progression.
- ⚠Asset quality & slippages: Track gross NPA formation and provision coverage cushion in retail portfolios.
Total Revenue / Interest Earned expanded across both horizons (+9.5% YoY and +3.6% QoQ vs Q1-FY27), demonstrating synchronized top-line execution.
Flagium Risk Signals
Automated Forensic SignalsStabilization in key metrics
Financial reports demonstrate robust disclosure levels with no forensic or accrual warnings.
Leadership team stability remains intact with no auditor qualifications or key departures.
🎙️ Bandhan Bank (BANDHANBNK) Q2 FY27 Concall Intelligence
Management Commentary, Concall Takeaways & Key Discussion Themes
No earnings call transcript was available
for this reporting period.
What to do next
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Flagium AI is an automated financial data analytics platform. Analysis reports are compiled programmatically from public regulatory XBRL submissions (NSE/BSE) for educational and research purposes only. Flagium AI is not registered with SEBI as a Research Analyst or Investment Adviser under SEBI regulations. This evaluation does not constitute investment advice, financial planning, or recommendations to buy, sell, or hold any security.
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