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Bandhan Bank Bandhan GRUH Loans Customers Portfolio Ouststanding 0.65% 44.10% 55.24% Salaried Self Employed Professionals 3.97% 9.40% Average FOIR* Type of Property 39% 0.46% ■Flats 38% 37% 38% 29.59% Raw 36% 36% 36% 69.95% Houses/Bun galows 35% Mar'20 Mar'19 Dec' 19 Average FOIR *FOIR is Fixed Obligation to Income ratio 86.32% Hosuing LAP Construction AVERAGE LOAN TO VALUE Average LTV 69% Others 67% 67% MAR'20 MAR'19 DEC'19 22 22

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