#1Investor Presentation Q4 FY 2019-20 May 2020 Bandhan Bank#2Disclaimer Bandhan Bank This presentation is confidential and may not be copied, published, distributed or transmitted. The information in this presentation is being provided by Bandhan Bank Limited (also referred to as 'Bank'). 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This presentation and its contents are not and should not be construed as a prospectus or an offer document, including as defined under the Companies Act, 2013, to the extent notified and in force or an offer document under the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009as amended. The Bank may alter, modify, or otherwise change in any manner the contents of this presentation without obligation to modify any person of such change or changes. No representation warranty implied as to and reliance or warranty, express or implied, is made to, nor should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. 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This presentation contains certain supplemental measures of performance and liquidity that are not required by or presented in accordance with Indian GAAP, and should not be considered as an alternative to profit, operating revenue or any other performance measures derived in accordance with Indian GAAP or an alternative to cash flow from operations as a measure of liquidity of the Bank. You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this presentation and must make independent analysis as you may consider necessary or appropriate for such purpose. Any opinions expressed in this presentation are subject to change without notice and past performance is not indicative of future results. By attending this presentation you acknowledge that you will be solely responsible for your own assessment of the market position of the Bank and that you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the Bank's business. This presentation contains forward-looking statements based on the currently held beliefs and assumptions of the management of the Bank, which are expressed in good faith and, in their opinion, reasonable. Forward-looking statements involve known and unknown risks, uncertainties and other factors, which may cause the actual results, financial condition, performance, or achievements of the Bank or industry results, to differ materially from the results, financial condition, performance or achievements expressed or implied by such forward-looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, competition in our business including those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, our ability to win new contracts, changes in technology, availability of financing, our ability to successfully complete and integrate our expansion plans, liabilities, political instability and general economic conditions affecting our industry. Unless otherwise indicated, the information contained herein is preliminary and indicative and is based on management information, current plans and estimates. Industry and market-related information is obtained or derived from industry publications and other sources and has not been verified by us. Given these risks, uncertainties and other factors, recipients of this document are cautioned not to place undue reliance on these forward-looking statements. The Bank disclaims any obligation to update these forward-looking statements to reflect future events or developments. This presentation is not an offer for sale of securities in the UNITED STATES or elsewhere. 2#3Key Highlights Bandhan Bank 3#4Key Highlights Bandhan Bank - Overview Loan portfolio (on book + off book) for Q4FY 19-20 grew 60.5% Y-o-Y (excl. GRUH 20%) Deposits grew by 32.0% Y-o-Y in Q4 FY 19-20 (excl. GRUH 29.0%) Net NPA is at 0.58% Retail Deposit to Total Deposit at 78.4% Added 1.1 million Customers during the quarter with total customer base reaching to 20.10 million (Micro Banking- 15.40 million, Non Micro- 4.43 million and GRUH Finance -0.27 million) During the quarter, the Bank has made additional provision of 6.9 bn on standard advances against the potential impact of COVID-19 based on all the available information at this point in time. In addition, the Bank carries additional Standard Asset Provision on Micro Finance portfolio at 0.75% amounting to * 3.1 bn. Snapshot of operations FY 2019-20 Total Deposits * 570.82 bn Total Loans and advances *718.46 bn¹ Net Interest Margin (NIM) 8.12%* CASA Ratio 36.84% ROAA (%) 3.6%* THANK 34 States & UTs 548 Cities 1018 Branches 3541 Banking Units 485 (DSCs+Gruh Centres) ATMs 1. On book + Off Book * For FY 2019-20 39,750 Employees ROAE (%) 21.1% Bandhan Bank 20.10 mn Customers 64% PRIORITY Micro loans 91% Priority sector loans Q4 FY 20 numbers are merged after amalgamation of Gruh Finance Ltd 4#5Building granular deposit franchise & update on COVID-19, Moratorium and earlier crisis Bandhan Bank#638% 120.89 Deposits from regions outside its core geographies have witnessed steady growth Bandhan Bank Building a strong granular deposit franchise 232.29 77% 78% 71% 72% 338.69 47% CAGR 432.32 570.82 Pan India acceptance: Steady increase in share of customer deposits beyond East / North-East 5% 7% 9% 9% 10% 12% 12% 13% 64% 59% FY 16 FY 17 FY 18 FY 19 FY 20 Mar'19 Mar'20 Total Deposit Retail Deposit % East & NE Western Northern xx% Total Deposit CAGR Amt. in bn. Central ■Southern#7Steady growth in deposit with retail focus Deposit Movement in bn 580.30 570.82 567.24 30th April 2020 549.08 31st March 2020 432.32 05th March 2020* 31st Dec 2019 31st March 2019 Bandhan Bank Steady growth in deposits despite challenging environment faced by private sector banks post Yes Bank moratorium announcement in March 2020. *Yes Bank moratorium announced#8Moratorium Update Bandhan Bank Micro 100% Moratorium in value for Apr/20 2 Mortgage 13% Moratorium in value for Apr/20 3 SME ~35% Moratorium in value for Apr 20 -- 4 NBFC (a) NBFC Others-NIL Moratorium (b) NBFC MFI~59% in value Moratorium for Apr 20 95% of DSCs have been opened and are connected with borrowers to get the ground level feedback 79% of borrowers have an average deposit balance of ~ *3,070, which is equivalent to 4+ weekly instalments As per borrower feedback, collection should normalize in about 4-6 weeks after lockdown is lifted. While moratorium was offered to 100% of the customers, 87% of customers in value have paid instalment in Apr❜ 20 The balance 13% (largely self-employed) opted to conserve cash. Although moratorium was offered to all customers, ~65% (in value) have paid instalment in Apr❜20 Customers opted to conserve cash On account of travel restriction, many customers could not pay instalment in Apr❜20 NBFC-MFI in general want to conserve cash as they have in turn given moratorium to customers. 20% + Average Capital Adequacy reported by NBFC-MFI in which Bank has exposure NBFC-MFI seeking moratorium has placed deposits exceeding their Q1 FY 21 instalments with the Bank.#9Borrower profile is largely from industries which are resilient to the COVID-19 environment Bandhan Bank In MN Business Category Micro Banking Non Micro Banking Total Advances % of Total Advances Agriculture & Allied Activities 206,120 909 207,029 28.8% Affordable Housing 191 185,002 185,193 25.8% Food Processing & Retail 138,504 9,848 148,352 20.6% Resilient Personal & Healthcare 1,234 17,432 18,666 2.6% Rural Transportation ( bullock carts / cycle) 11,701 11,701 1.6% Pharma and Medical 909 1,267 2,176 0.3% Computer, Cable / DTH Service Providers 379 21 400 0.1% Education 335 335 0.05% Chemicals 257 257 0.04% Marginal Impact Low Impact Total Manufacturing - Non-Essential 359,039 215,070 574,109 80% 67,074 3,809 70,883 9.9% Financial Services ( NBFCs ; NBFC-MFIs) 1,160 35,430 36,590 5.1% Wood/Metal Furniture, Building Material 9,111 9,111 1.3% Total 77,345 39,239 116,584 16% Other Transportation 14,215 1,226 15,441 2.1% Wellness & Beauty Parlour 10,971 511 11,482 1.6% Logistics & Courier 322 387 709 0.1% Others- Services Total Total Portfolio 133 133 0.02% 25,508 2,256 27,764 4% 461,892 256,565 718,457 100%#10Core geographies have witnessed minimal impact of COVID-19 Covid-19 Geographic distribution Bandhan Bank Jammu and MIN Kashmir Himachal Pradesh Punjab Chandigarh Uttarakhand Rajasthan Haryana Delhi MAX Share of Share of Micro Arunachal Pradesh Region confirmed banking advances Sikkim Covid-19 cases Uttar Pradesh Bihar Assam Nagaland East & North Meghalaya 5% 81% Manipur East* Tripura Jharkhand Mizoram Chhattisgarh West Bengal Rest of India 95% 19% Odisha Grand Total 100% 100% Gujarat Madhya Pradesh Daman and Diu Dadra and Nagar Haveli Maharashtra Telangana Goa Lakshadweep Karnataka Andhra Pradesh Tamil Nadu Kerala Puducherry Andaman and Nicobar Islands Source: www.covid19india.org (No. of Covid-19 cases as on 6th May), *East and North East region includes Bihar, Jharkhand, Odisha, West Bengal, Sikkim, Andaman and Nicobar islands, Assam, Arunachal Pradesh, Meghalaya, Tripura, Manipur, Mizoram and Nagaland as per RBI classification#11Deep penetration in Tier 3 - 6 locations gives the bank a competitive advantage in the current environment Bandhan Bank Share of Banking Units (DSC) 21% 79% Share of Portfolio 22% 78% ■Rural & Semi-urban Urban & Metro ■Rural & Semi-urban ■ Urban & Metro Rural and semi-urban locations which contribute major share of micro business have negligible Covid-19 impact#12Micro Finance portfolio has historically shown higher resilience vis-a-vis industry during times of crisis Bandhan Bank 0.4% Demonetization (Nov'16) Pan India 90+ DPD as on Mar'17 5.5% 4.5% 1.5% GST (Jul'17) Pan India 90+ DPD as on Dec'17 9.9% 8.4% Bandhan Rest of Bank Industry Total Industry * Bandhan Bank Rest of Industry Total Industry** 1/3 Bandhan outperforms largely due to higher customer vintage, loyalty and strong connect * Source: Crif High Mark, Bandhan data, calculated ROI excludes Bandhan, Total Industry includes Bandhan ** Source: Equifax Credit Bureau#13Micro Finance portfolio has historically shown higher resilience vis-a-vis industry during times of crisis Bandhan Bank Farm Loan Waiver in Uttar Pradesh (Aug'17) Cyclone Fani in Odisha (May'19) 90+ DPD as on Mar'18 4.6% 14.3% 13.4% Bandhan Bank Rest of Industry Total Industry* 1.0% 90+ DPD as on Sep'19 6.5% 6.1% Bandhan Bank Rest of Industry Total Industry* Nature of challenge decides the quantum of losses : Challenges (like Cyclone Fani, GST, Demonetization) which relate to customer ability, despite of adverse business impact, finally cause lower losses as against issues (like UP loan waiver, Assam agitation) which emanate from customer willingness where credit culture takes a hit. *Source: Equifax Credit Bureau 2/3#14Micro Finance portfolio has historically shown higher resilience vis-a-vis industry during times of crisis Bandhan Bank Disruption due to agitation in Assam (Nov 2019) 90+ DPD as on Feb'20 3.1% 10.1% 6.2% Bandhan Bank Rest of Industry Total Industry* 3/3 Despite having the highest market share in the state with large presence in upper Assam impacted districts, Bandhan has been able to outperform the industry because of its higher customer vintage, loyalty and strong connect *Source: Equifax Credit Bureau#15Business & Financial Overview Bandhan Bank 15#16Geographical Distribution Banking Outlets 4,288 4,559 4,000 1,018 1,009 986 3,541 3,279 3,014 March'19 Bandhan Bank Focus on serving the rural & underbanked population Banking Outlets as on 31st March 2020* 10% Mtero 35% 19% Urban 36% Semi-Urban Rural *Basis original classification at the time of opening Diversifying presence with non-east increasing over 50% now 6% 7% Dec'19 March'20 Branches Banking Units* * Banking Units includes DSCs plus Gruh Centres 18% 13% 10% Eastern North Eastern 47% Central Northern Southern Western#17Asset Overview Bandhan Bank Advances Growth (in Billion) Composition of Advances (in %) 447.76 61.61 60.5% 14.0% 718.46 25.2% 10.5% 181.24 75.33 86.0% 64.3% 461.89 386.15 March'19 March'20 Micro Non Micro ■Gruh * March-20 merged Advances including GRUH; March '19 March'20 ■Micro ■Non-Micro ■Gruh * Portfolio diversifying with micro finance share in total advance reduced to 64% 17#18Asset Book Mix 447.76 60.5% 18.41 19.87 4.50 8.21 10.62 386.15 Total Advances (in Billion) 718.46 5%1% 2% 28.11 2% 4% 24.76 10.60 7.31 185.78 461.89 March'19 86% March'20 Bandhan Bank ■ Micro ■ Retail ■ NBFC-MFI ■ NBFC-Others ■ SME ■ Mortgages ■ Micro 26% ■ Retail ■ NBFC-MFI 4% 2% 3% 1% 64% March'19 March'20 ■ NBFC-Others ■ SME ■ Mortgages Micro NBFC-MFI Mortgages NBFC-Others Retail SME 18 Mar 20 mortgages includes GRUH portfolio amounting to 181.24 bn#19Micro Banking Assets Bandhan Bank Micro Banking Asset Growth (* in Billion) Number of Active Micro Borrowers (Mn) 386 20% 462 9.49 17.39% 11.14 March'19 March'20 March'19 March'20 Micro Loan Disbursement (in Billion) 199.48 145.62 132.51 123.2 193.24 119.87 108.47 96.41 94.72 146.81 اتناتييتي Dec-17 Mar-18 Jun-18 Sep-18 Dec-18 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 19#20Non Micro Assets Non Micro Banking Asset growth (in Billion) 61.61 March 19' 256.57 316% March 20' #Mar-20 merged non-micro advances including GRUH; Higher PSL Portfolio 9% 91% Bandhan Bank Product wise Advances - Non Micro (in Billion) 10.62 4.50 185.78 19.87 18.41 10.6 24.76 8.21 March' 19 Retail SME NBFC Others* Mortgages 28.11 7.31 March'20 NBFC-MFI ■ PSL Assets ■Non PSL Assets *Includes IL&FS exposure of Rs 3.85 billion 20 Mar 20 Mortgages includes GRUH portfolio 181.24 bn#21Liabilities Profile Deposits Growth (* in Billion) 432.32 32.0% 570.82 Retail to Total Deposits (%) 77.4% 78.4% Bandhan Bank March 19' March'20 360.54 CASA (%) 256.14 40.8% 210.28 176.18 March'19 CASA March'20 TD Microbanking contributes 5.75% of total deposits March 20 are merged numbers after amalgamation of GRUH Finance Ltd March 19' 36.8% 34.3% Dec' 19 March'20 Average SA Balance Per Customer (* in 000') General Banking ■Micro Banking 2.35 40.69 2.05 41.91 March'19 March'20 24 21#22Bandhan Bank Bandhan GRUH Loans Customers Portfolio Ouststanding 0.65% 44.10% 55.24% Salaried Self Employed Professionals 3.97% 9.40% Average FOIR* Type of Property 39% 0.46% ■Flats 38% 37% 38% 29.59% Raw 36% 36% 36% 69.95% Houses/Bun galows 35% Mar'20 Mar'19 Dec' 19 Average FOIR *FOIR is Fixed Obligation to Income ratio 86.32% Hosuing LAP Construction AVERAGE LOAN TO VALUE Average LTV 69% Others 67% 67% MAR'20 MAR'19 DEC'19 22 22#23Financial Performance Bandhan Bank Total income (in Billion) I Net Interest Income Other Income Total Income Operating Profit (₹ in Billion) 45.30% 54.46 31.83% 11.54 15.21 37.48 Q4 FY 19 Q4 FY 20*1 FY19 FY20* 41.65% 78.73 PAT (* in Billion)# 55.58 15.49 32.46% 10.63 54.96% 30.24 21.8 63.24 19.52 16.46 5.00 44.95 3.88 -20.58% 12.58 16.80 6.51 5.17 Q4 FY 19 Q4 FY 20* FY19 FY20* Q4 FY 19 Q4 FY 20* FY19 FY20* *merged numbers after amalgamation of Gruh Finance Ltd # PAT for March 20 lower after taking one time COVID 19 related provision of *6.9 bn on standard advances 23#24Financial Performance Capital Adequacy Ratio NIM (Annualized) Tier I Tier II Total 29.20% 1.32% 27.88% 27.43% 2.24% 25.19% March 19' March 20' Spread (Annualized) 14.0% Yield 13.8% 6.8% 7.2% Q3 FY20 Bandhan Bank 10.4% 7.9% 8.1% 8.1% Q3FY20 Q4 FY20 * FY19 FY20* Cost of funds (Excl Cap.) 6.7% 7.0% Q4 FY20* * numbers are merged after amalgamation of Gruh Finance Ltd 15.4% 9.1% 6.3% Spread 14.0% 6.9% 7.0% FY19 FY20* 4 24#25Financial Performance ROAA & ROAE (Annualized) 3.5% 20.0% 2.4% 13.7% Q3 FY20 Q4 FY20* Cost to Income Ratio ROAA 4.2% FY19 19.0% ■ROAE 3.6% 21.1% FY20* Bandhan Bank Operating expenses to Average Assets (Annualized) I 3.6% 33.4% 32.6% 2.9% 2.9% 30.3% 30.8% 2.8% Q3 FY20 Q4 FY20* FY19 FY20* Q3 FY20 Q4 FY20* FY19 FY20*#26Financial Performance Segmental GNPA movement - (in Billion) 11.82 8.20 5.93 9.93 5.35 5.40 3.01 2.48 0.07 2.70 2.88 2.09 Mar'19 Dec' 19 Mar' 20 Micro Mortgages Others** **Others includes 3.85 bn of IL&FS Gross NPA and Net NPA Gross NPA (%) Net NPA 2.04% 0.58% 1.48% 0.58% March 19' March 20'* Credit Cost (Annualized) Credit Cost - Standard Credit Cost - NPA 5.08% Bandhan Bank Total oost 1.67% 2.28% 2.26% 1.51% 3.41% 0.99% 0.98% 0.53% 2.01% 1.27% 0.27% Q4 FY19 Q4 FY20* FY19 FY20* 26 * numbers are merged after amalgamation of Gruh Finance Ltd#27Profit & Loss Statement (IN * Billion) Bandhan Bank Particulars Q4 FY 20 Q4 FY 19 YOY% Merged Standalone Q3 FY 20 Merged QoQ% FY 20 Merged FY 19 YoY% Standalone Interest Income 28.46 18.33 55.26% 27.18 4.71% 108.86 66.43 63.87% Interest expenses 11.66 5.75 102.71% 11.77 -0.93% 45.62 21.48 112.38% Net Int. Income (NII) 16.80 12.58 33.57% 15.41 9.02% 63.24 44.95 40.69% Non Interest Income 5.00 3.88 Total Income 21.80 16.46 28.87% 32.46% 3.58 39.66% 15.49 10.63 45.72% 18.99 14.80% 78.73 55.58 41.65% Operating Expenses 6.59 4.92 Operating Profit 15.21 11.54 33.94% 31.83% 6.34 3.94% 24.27 18.10 34.09% 12.65 20.24% 54.46 37.48 45.30% Provision 1.38 1.54 -10.39% 2.95 -53.22% 7.03 7.35 -4.37% COVID 19 Provision 6.90 6.90 Profit before tax 6.93 10.00 -30.69% 9.70 -28.56% 40.53 30.13 34.52% Tax 1.76 3.49 -49.54% 2.39 -26.36% 10.29 10.61 -3.05% Profit after tax 5.17 6.51 -20.58% 7.31 -29.27% 30.24 19.52 54.96%#28Balance Sheet (IN *Billion) Particulars As at 31st Mar 2020 (Merged) As at 31st March 2019 % Change (Standalone) Bandhan Bank Capital & Liabilities Capital Reserves & Surplus Shareholder Funds Deposits Borrowings Other liabilities and provisions Total 16.10 11.93 34.95% 135.85 100.09 35.73% 151.95 112.02 35.65% 570.82 432.32 32.04% 163.79 5.21 3043.76% 30.62 14.87 105.92% 917.18 564.42 62.50% Assets Cash and balances with Reserve Bank of India 63.45 38.79 63.57% Balance with Banks and Money at call and short 20.08 19.24 notice 4.37% Investments 153.52 100.37 52.95% Advances 666.30 396.43 68.08% Fixed Assets 3.69 3.31 11.48% Other Assets 10.14 6.28 61.46% Total 917.18 564.42 62.50% 28#29Credit Rating Rating of Bank's Financial Securities Bandhan Bank Instrument Rating Rating Agency Amount (in Billion) Subordinated Tier II Non- Convertible Debenture CARE AA-; Stable CARE Ratings 1.60 [ICRA]AA; Stable ICRA [ICRA] AA; Stable ICRA Non-Convertible Debenture # 50.75** CRISIL AA/Stable Term Loans From Bank ICRA]AA Stable ICRA 0.80 CRISIL A1+ CRISIL Certificate of Deposit 60.00* [ICRA] A1+ ICRA Fixed Deposit Program # Subordinated Debt # CRISIL FAAA/Stable CRISIL 1.60 CRISIL AA/Stable CRISIL 0.35 *Rating of ICRA is for 30 bn only 15.76 bn only **Rating of ICRA is for #erstwhile GRUH Finance Limited transferred to Bandhan Bank Ltd. 29#30Our Board & Management Bandhan Bank 30#31Management Team Experienced and professional team... Bandhan Bank Chandra Shekhar Ghosh MD & CEO Founder of BFSL, has 27 years of experience in the field of microfinance and development Awarded 'Entrepreneur of the Year' by Forbes and ET in 2014 Deepankar Bose Head, Corporate Centre < 36+ years experience in banking industry ➤ Previously served as Chief General Manager and Head Of Wealth Management business, at SBI Sunil Samdani Chief Financial Officer 17+ years of experience in financial industry Previously served as Head of Business Analytics and Strategy at Development Credit Bank and as CFO at Karvy Sudhin Bhagwandas Choksey Executive Director (Designate) 35+ years experience in financial industry. ➤ Previously served as Managing Director at GRUH Finance Limited. Sanjeev Naryani Head - Business ➤ 32+ years of experience in banking Industry Previously worked as Chief General Manager and Head of Real Estate and Housing Business Unit at SBI Santanu Banerjee Head, HR A 27+ years of experience in the field of banking and finance ➤ Previously worked as Head of HR Business Relationship at Axis bank Indranil Banerjee Company Secretary 17+ years experience in financial industry. ➤ Previously served as Company Secretary at Energy Development Company Siddhartha Sanyal Chief Economist and Head Research 20+ years of experience in the field of Macro Economic ➤ Previously served as Director and Chief India Economist at Barclays Bank PLC. Subhro Kumar Gupta Chief Audit Executive 35+ years experience in Banking Industry. ➤ Previously served as Head Audit at ICICI Bank Biswajit Das Chief Risk Officer ➤ 28 years of experience in banking industry Previously served as Head-RBS and regulatory reporting at ICICI Bank Nand Kumar Singh Head, Banking Operations and Customer Services ➤ 27+ years experience in banking industry Previously served as Retail Banking Head, Patna Circle, at Axis Bank Srinivasan Balachander Chief Compliance Officer 20+ years experience in banking industry. ➤ Previously served as Chief Compliance Officer at Axis Bank Ltd. Arvind Kanagasabai Head, Treasury < 30+ years of experience at a PSU Bank ➤ Previously served as CFO at SBI DFHI Limited, Mumbai Dhruba Jyoti Chaudhuri Head-Corporate Services < 28+ years experience in Administration, Infrastructure & Facilities field. ➤ Previously served as Infrastructure Head at ICICI Bank Ltd. 31#32Board of Directors ... backed by a strong independent Board Bandhan Bank Dr. Anup Kumar Sinha Chairman ➤ Economist with Ph.D from University of Southern California ➤ Served as Professor of Economics at IIM Calcutta for 25 years Chandra Shekhar Ghosh MD & CEO ➤ Has significant experience in the field of microfinance ➤ Awarded 'Outstanding Leadership Award' by Dhaka University Bhaskar Sen Director Retired as Chairman & MD of United Bank of India ➤ Previously, Executive Director of Dena Bank Sisir Kumar Chakrabarti Director ➤ Previously, Deputy Managing Director at Axis Bank ➤ Also worked with State Bank of Bikaner and Jaipur prior to joining Axis Bank Ranodeb Roy Non-executive Director ➤ Founder of RV Capital Management Private Limited, Singapore, he was earlier heading Fixed Income Asia Pacific in Morgan Stanley Asia) Singapore Dr. A S Ramasastri Director ➤ Director, Institute for Development & Research of Banking Technology; ➤Chairman of IFTAS; company promoted by IDRBTto provide technology services in Banking & financial sectors Dr. Holger Dirk Michaelis Nominee Director ➤ Significant experience in private equity and as strategic advisor to financial services companies ➤ Currently, he is working at GIC Chintaman Mahdeo Dixit Director ➤ Significant experience in finance and accountancy sector ➤ Previously, he has worked at Life Insurance Corporation and Indian Bank Snehomoy Bhattacharya Director ➤ Significant experience in public and private banking sector ➤ Previously worked as Executive Director - Corporate Affairs Axis Bank T. S. Raji Gain Director ➤ Significant experience in the field of agricultural and rural development, Previously, she has worked with NABARD Currently, Executive Director BIRD Santanu Mukherjee Director ➤ Significant experience in public sector Banking in various capacities in SBI Group Former MD of State Bank of Hyderabad Harun Rashid Khan Director ➤ Retired as Deputy Governor of Reserve Bank of India ➤ Instrumental in formulation of Payments system Vision 2018 of RBI N V P Tendulkar Additional Director ➤ Significant experience in finance, accounts and management ➤ Former Whole time Director - Finance of Hewlett Packard (India) Vijay N Bhatt Additional Director ➤ Significant experience in accounting, audit and assurance Former Sr. Independent Director of BSR & Co., Chartered Accountants 32#33Awards and accolades WINNER BANDHAN BANK MAGNA AWARDS 2019 MANKER OF THE TEA CHANDRASHEKHAR GHOSH BANDHAN BANK MAGNA AWARDS 2019 WINNER BANDHAN BANK BUCHESSWORD MAGNA AWARDS 2019 ROWING SMALL SIZE BANKS Bandhan Bank Businessworld Magna Awards 2019 Bandhan Bank won two awards in the small size bank category at the glittering ceremony of Magna Awards 2019 organised by Businessworld magazine in Mumbai. 1. Best Bank 2. Fastest Growing Bank 'Banker of the Year' award was conferred upon Mr. Chandra Shekhar Ghosh. Emerging Company of the Year by Economic Times Bandhan Bank recognized as the Emerging Company of the Year by Economic Times Awards for Corporate Excellence, 2019. Business Today Today Fine alawa Bandhan Bank recognised as the 'Best Small Bank' award by business today#34Awards and accolades Business Standard PROMOTE SWACH BHARAT GET FOING RIGHTS WE AIM TO BREAK EVEN IN TOP to CITES: EIGBASKET CEO Bandhan's CSGhosh is BS Banker of the Year Chandelier Chond We of And Cham Come They Ch mainly di The back had er dth Santa A TIMES BUSINESS AWARDS KVARA WY Bandhan Bank L AWARDS Bandhan Bank Banker of the Year by Business Standard Mr. Chandra Shekhar Ghosh, Managing Director and Chief Executive Officer was declared as the Business Standard 'Banker of the Year' for 2018-19 on November 14, 2019. He received this award for the all-round performance of Bandhan Bank. Times Business Award 2020 Bandhan Bank has been declared as the 'Best Indian Banking & Financial Institution. THE ECONOMIC TIMES The Economic Times ET Bengal Corporate Awards. Bandhan recognised as the 'Fastest Growing Company', and also received the award for 'Excellence in Business Performance' in the category of companies with turnover of Rs.3,000 crore.#35Thank You Bandhan Bank [email protected] 35