Investor Presentation

**Financial Highlights:** Bandhan Bank reported total revenue of ₹3460 Cr for the quarter, declining 2.9% year-on-year (YoY) and 12% quarter-on-quarter (QoQ). Net Interest Income (NII) stood at ₹2760 Cr, down 3.6% YoY and 2.1% QoQ.

Profit After Tax (PAT) was ₹320 Cr, marking an impressive growth of 482.6% YoY but a decline of 25.4% QoQ.

The Gross NPA ratio is at 4.7%, while the Net NPA ratio is at 1.3%. The Capital Adequacy Ratio (CRAR) is strong at 18.7%. **Strategic Initiatives & Growth Drivers:** The bank is actively expanding its presence with 1,715 branches and 4,594 banking units across India, focusing on customer-centric operations and enhancing digital banking.

It aims to improve customer experiences, as 98% of retail transactions are now digital. **Business Developments:** Bandhan Bank is strengthening its market presence through enhanced digital solutions and increased customer engagement, contributing to better asset quality. **Market Position & Competitive Advantage:** The bank boasts a diversified lending portfolio, demonstrating robust growth in retail deposits and a solid capital base that reinforces its competitive stance. **Investor Implications:** These developments suggest positive growth potential for Bandhan Bank.

However, the QoQ decline in profits indicates execution risks that investors should watch closely.