Investor Presentaiton

Financial 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

View entire presentation