Investor Presentaiton

Credit Rating Rating of Bank's Financial Securities Bandhan Bank Instrument Rating Rating Agency Amount (in Billion) Subordinated Tier II Non- Convertible Debenture CARE AA-; Stable CARE Ratings 1.60 [ICRA]AA; Stable ICRA [ICRA] AA; Stable ICRA Non-Convertible Debenture # 50.75** CRISIL AA/Stable Term Loans From Bank ICRA]AA Stable ICRA 0.80 CRISIL A1+ CRISIL Certificate of Deposit 60.00* [ICRA] A1+ ICRA Fixed Deposit Program # Subordinated Debt # CRISIL FAAA/Stable CRISIL 1.60 CRISIL AA/Stable CRISIL 0.35 *Rating of ICRA is for 30 bn only 15.76 bn only **Rating of ICRA is for #erstwhile GRUH Finance Limited transferred to Bandhan Bank Ltd. 29

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