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Micro Finance portfolio has historically shown higher resilience vis-a-vis industry during times of crisis Bandhan Bank 0.4% Demonetization (Nov'16) Pan India 90+ DPD as on Mar'17 5.5% 4.5% 1.5% GST (Jul'17) Pan India 90+ DPD as on Dec'17 9.9% 8.4% Bandhan Rest of Bank Industry Total Industry * Bandhan Bank Rest of Industry Total Industry** 1/3 Bandhan outperforms largely due to higher customer vintage, loyalty and strong connect * Source: Crif High Mark, Bandhan data, calculated ROI excludes Bandhan, Total Industry includes Bandhan ** Source: Equifax Credit Bureau

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