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Investor Presentaiton

Financial 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

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