Investor Presentation

Bandhan Bank's Q1FY27 update highlights a strong focus on strategic diversification and improved asset quality. **Business Performance:** The bank's gross advances grew 16.4% YoY to ₹1,55,560 Cr, with the non-EEB portfolio expanding 27.4% YoY to ₹1,02,910 Cr.

The secured loan mix increased to 56.8%, enhancing portfolio resilience.

Total deposits rose 6.6% YoY to ₹1,64,890 Cr, underpinned by a robust 74% share of retail deposits, ensuring stable funding.

The bank operates an extensive network of 6,388 outlets across 35 states and UTs. **Growth Drivers or Strategy:** Key strategies involve shifting towards higher secured assets and strengthening the retail deposit base.

Digital initiatives are central, with 98% of retail transactions now digital and 92% of savings accounts onboarded digitally.

The bank is also committed to improving asset quality through disciplined credit selection and focused recovery efforts, aiming for predictable return ratios. **Recent Developments:** Digital advancements include an enhanced mutual fund platform and new digital onboarding for corporate salary accounts.

Merchants also benefit from static QR linked POS terminals, boosting transaction volumes. **Key Financial Metrics:** Net Interest Income (NII) increased 5.9% YoY to ₹2,920 Cr.

Profit After Tax (PAT) saw a significant 34.9% YoY jump to ₹500 Cr.

Asset quality showed considerable improvement, with Gross NPA at 3.1% (down 182 bps YoY) and Net NPA at 0.9% (down 43 bps YoY). Return on Equity (ROE) was 7.7% (up 179 bps YoY), and Capital Adequacy Ratio (CRAR) stood at 18.2%. **Management Commentary / Outlook:** The bank continues to execute its strategic objectives, focusing on balance sheet strength and risk realignment to ensure sustained performance.