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Investor Presentaiton

Moratorium Update Bandhan Bank Micro 100% Moratorium in value for Apr/20 2 Mortgage 13% Moratorium in value for Apr/20 3 SME ~35% Moratorium in value for Apr 20 -- 4 NBFC (a) NBFC Others-NIL Moratorium (b) NBFC MFI~59% in value Moratorium for Apr 20 95% of DSCs have been opened and are connected with borrowers to get the ground level feedback 79% of borrowers have an average deposit balance of ~ *3,070, which is equivalent to 4+ weekly instalments As per borrower feedback, collection should normalize in about 4-6 weeks after lockdown is lifted. While moratorium was offered to 100% of the customers, 87% of customers in value have paid instalment in Apr❜ 20 The balance 13% (largely self-employed) opted to conserve cash. Although moratorium was offered to all customers, ~65% (in value) have paid instalment in Apr❜20 Customers opted to conserve cash On account of travel restriction, many customers could not pay instalment in Apr❜20 NBFC-MFI in general want to conserve cash as they have in turn given moratorium to customers. 20% + Average Capital Adequacy reported by NBFC-MFI in which Bank has exposure NBFC-MFI seeking moratorium has placed deposits exceeding their Q1 FY 21 instalments with the Bank.
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