Investor Presentaiton

Deep penetration in Tier 3 - 6 locations gives the bank a competitive advantage in the current environment Bandhan Bank Share of Banking Units (DSC) 21% 79% Share of Portfolio 22% 78% ■Rural & Semi-urban Urban & Metro ■Rural & Semi-urban ■ Urban & Metro Rural and semi-urban locations which contribute major share of micro business have negligible Covid-19 impact

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