Investor Presentaiton

Financial 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*

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