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Financial Performance Segmental GNPA movement - (in Billion) 11.82 8.20 5.93 9.93 5.35 5.40 3.01 2.48 0.07 2.70 2.88 2.09 Mar'19 Dec' 19 Mar' 20 Micro Mortgages Others** **Others includes 3.85 bn of IL&FS Gross NPA and Net NPA Gross NPA (%) Net NPA 2.04% 0.58% 1.48% 0.58% March 19' March 20'* Credit Cost (Annualized) Credit Cost - Standard Credit Cost - NPA 5.08% Bandhan Bank Total oost 1.67% 2.28% 2.26% 1.51% 3.41% 0.99% 0.98% 0.53% 2.01% 1.27% 0.27% Q4 FY19 Q4 FY20* FY19 FY20* 26 * numbers are merged after amalgamation of Gruh Finance Ltd

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