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Investor Presentaiton

Financial Performance Bandhan Bank ROAA & ROAE* ■ROAA ROAE Spread % Yield Cost of funds (Excl Cap.) Spread 28.1% 27.7% 16.7% 19.9% 15.4% 9.6% 7.0% 14.6% 8.9% 6.5% 8.4% 6.2% 4.4% 4.5% 4.1% Q1 FY18 Q1 FY19 Q4 FY18 Cost to Income Ratio 35.3% Q1 FY18 • Annualised; Monthly Average 34.3% 34.0% Q1 FY18 Q1 FY19 Q4 FY18 Fee Income to Total Income Ratio 9.6% 11.9% 13.1% Q1 FY19 Q4 FY18 Q1 FY18 Q1 FY19 Q4 FY18 17

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