Investor Presentaiton

Profit & Loss Statement (IN million) Particulars Q1 FY 19 Q1 FY 18 YoY% Q4 FY 18 QOQ% Bandhan Bank Interest Income 15,562 11,534 34.93% 13,506 15.22% Interest expenses 5,190 4,099 26.63% 4,872 6.53% Net Int. Income (NII) 10,372 7,435 39.50% 8,634 20.13% Non Interest Income 2,107 1,220 72.75% 2,034 3.59% Total Income 12,479 8,655 44.19% 10,668 16.97% Operating Expenses 4,273 3,086 38.49% 3,630 17.73% Operating Profit 8,205 5,569 47.34% 7,038 16.58% Provision (Std. + NPA+MTM) 800 556 43.83% 1,091 -26.64% Profit before tax 7,405 5,012 47.73% 5,947 24.51% Tax 2,588 1,747 48.14% 2,069 25.09% Profit after tax 4,817 3,266 47.51% 3,879 24.20% 19

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