BANDHANBNK

Ref. No.: BBL/SEC/096/2026-27 July 21, 2026 BSE Limited National Stock Exchange of India Limited Dept. of Corporate Services The Listing Department Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai - 400 001 Mumbai - 400 051 BSE Scrip Code: 541153 NSE Symbol: BANDHANBNK Dear Sir/Madam, Sub.: Earnings Update Presentation on the Unaudited Financial Results for the quarter (Q1) ended June 30, 2026 In continuation to the letter having Ref. No.: BBL/SEC/095/2026-27 dated July 21, 2026 and pursuant to the provisions of Regulation 30 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, please find enclosed, the Earnings Update Presentation on the Unaudited Financial Results of Bandhan Bank Limited (the ‘Bank’), for the quarter (Q1) ended June 30, 2026. You are requested to take note of the above. This disclosure and the above-mentioned enclosed document are being simultaneously uploaded on the Bank’s website at www.bandhan.bank.in. Thank you. Yours faithfully, for Bandhan Bank Limited Indranil Banerjee Company Secretary Encl.: As above Investor Presentation Q1FY27 21st July 2026 Disclaimer • Thispresentationisconfidentialandmaynotbecopied,published,distributedortransmitted. TheinformationinthispresentationisbeingprovidedbyBandhanBankLimited(also referredtoas‘Bank’).Byattendingameetingwherethispresentationismade,orbyreadingthispresentationmaterial,youagreetobeboundbyfollowinglimitations: • TheinformationinthispresentationhasbeenpreparedforuseinpresentationsbyBankforinformationpurposesonlyanddoesnotconstitute,orshouldberegardedas,or formpartofanyoffer,invitation,inducementoradvertisementtosellorissue,oranysolicitationoranyoffertopurchaseorsubscribefor,anysecuritiesoftheCompanyin anyjurisdiction,includingtheUnitedStatesandIndia,norshallit,orthefactofitsdistributionformthebasisof,orbereliedoninconnectionwith,anyinvestmentdecisionor anycontractorcommitmenttopurchaseorsubscribeforanysecuritiesoftheCompanyinanyjurisdiction,includingtheUnitedStatesandIndia.Thispresentationdoesnot constitutearecommendationbytheBankoranyotherpartytosellorbuyanysecuritiesoftheBank.Thispresentationanditscontentsarenotandshouldnotbeconstrued asaprospectusoranofferdocument,includingasdefinedundertheCompaniesAct,2013,totheextentnotifiedandinforceoranofferdocumentundertheSecuritiesand ExchangeBoardofIndia(IssueofCapitalandDisclosureRequirements)Regulations,2009asamended. • The Bank may alter, modify, or otherwise change in any manner the contents of this presentation without obligation to modify any person of such change or changes. No representationwarrantyimpliedastoandrelianceorwarranty,expressorimplied,ismadeto,norshouldbeplacedon,thefairness,accuracy,completenessorcorrectnessof theinformationoropinionscontainedinthispresentation.NeitherBanknoranyofitsaffiliates,advisorsorrepresentativesshallhaveanyresponsibilityorliabilitywhatsoever (for negligenceor otherwise) for any losshowsoever arising fromany useofthispresentationor itscontentsor otherwisearising in connection with thispresentation. The information set outherein maybesubject to updating, completion, revision, verification and amendment and suchinformation maychangematerially. Thispresentation is based on the economic, regulatory, market and other conditions as in effect on the date hereof. It should be understood that subsequent developments may affect the informationcontainedinthispresentation,whichneitherBanknoritsaffiliates,advisorsorrepresentativesareunderanyobligationtoupdate,reviseoraffirm. • ThispresentationcontainscertainsupplementalmeasuresofperformanceandliquiditythatarenotrequiredbyorpresentedinaccordancewithIndianGAAP,andshouldnot beconsideredasanalternativetoprofit,operatingrevenueoranyotherperformancemeasuresderivedinaccordancewithIndianGAAPoranalternativetocashflowfrom operations as a measure of liquidity of the Bank. You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this presentationandmustmakeindependentanalysisasyoumayconsidernecessaryorappropriateforsuchpurpose.Anyopinionsexpressedinthispresentationaresubjectto changewithout noticeand pastperformance isnot indicativeoffutureresults. By attending thispresentation youacknowledge that you willbesolely responsiblefor your ownassessmentofthemarketpositionoftheBankandthatyouwillconductyourownanalysisandbesolelyresponsibleforformingyourownviewofthepotentialfuture performanceoftheBank’sbusiness. • This presentation contains forward‐looking statements based on the currently held beliefs and assumptionsof themanagement of the Bank , which are expressed in good faith and, in their opinion, reasonable. Forward‐looking statements involve known and unknown risks, uncertainties and other factors, which may cause the actual results, financial condition, performance, or achievements of the Bank or industry results, to differ materially from the results, financial condition, performance or achievements expressed or implied by such forward‐looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, competition in our business including those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, our ability to win new contracts, changes in technology, availability of financing, our ability to successfully complete and integrate our expansion plans, liabilities, political instability and general economic conditions affecting our industry. Unless otherwise indicated, the information contained herein is preliminary and indicative and is based on management information, current plans and estimates. Industry and market‐related information is obtained or derived from industry publications and other sources and has not been verifiedbyus.Giventheserisks,uncertaintiesandotherfactors,recipientsofthisdocumentarecautionednottoplaceunduerelianceontheseforward‐lookingstatements. TheBankdisclaimsanyobligationtoupdatetheseforward‐lookingstatementstoreflectfutureeventsordevelopments. • ThispresentationisnotanofferforsaleofsecuritiesintheUNITEDSTATESorelsewhere. 22 Strategic Highlights: Q1FY27 Universal Bank with Customer Centricity & Strong Outreach Productivity & Efficiency diversified portfolio Digitization Capital & Liquidity Capabilities Focus on workforce upskilling Comprehensive financial Seamless customer journeys Strong Capital adequacy and Deepening footprint and touch- and reskilling, and drive solutions across all lending and improved customer stable deposit base points across the country operational excellence segments satisfaction Branches EEB Total Customers CRAR Cost/Income 1,988 ₹ 526.4 bn 31.8 mn 18.2% 61.5% (35 States and UTs) ~34% share of book Housing & Retail Digital Transaction Emp Productivity* EEB Banking Units CET 1 ₹ 506.4 bn 98% of retail 8.6% YoY increase in 4,400 17.5% ~33% share of book transactions are digital Business / employee Wholesale Banking Digital Onboarding ATMs Retail Deposits Training & Upskilling ₹ 512.8 bn 92% saving accounts 438 74% of Total Deposits 347K learning hours ~33% share of book opened digitally^ 4 *Total Employee as on Jun’26 is 74,744 ^through tab assisted and DIY CET1 and CRAR is incl. profit Key Financial Highlights: Q1FY27 Gross Advances Secured Mix Non-EEB Book Share Of Non-East Advances ₹ 1,555.6 bn* 56.8% ₹ 1,029.1 bn 62.1%^ (16.4% YoY & 0.9% QoQ) (473 bps YoY & 67 bps QoQ) (27.4% YoY & 2.6% QoQ) (30 bps YoY & 19 bps QoQ) Total Deposit CASA Ratio Retail Deposits Share Of Non-East Deposits ₹ 1,648.9 bn 29.4% ₹ 1,219.6 bn 43.5% (6.6% YoY& -0.9% QoQ) (234 bps YoY & 9 bps QoQ) (15.6% YoY & -0.5% QoQ) (-167 bps YoY & -154 bps QoQ) GNPA Ratio NNPA Ratio PCR** Credit Cost Asset Quality 3.1% 0.9% 71.1% 1.8% (-182 bps YoY & -12 bps QoQ) (-43 bps YoY & -4 bps QoQ) (-259 bps YoY & 1 bps QoQ) (-167 bps YoY & -15 bps QoQ) NII Total Revenue (Net) Operating Profit PAT Profitability ₹ 29.2 bn ₹ 35.2 bn ₹ 13.6 bn ₹ 5.0 bn (5.9% YoY & 4.5% QoQ) (1.2% YoY & -1.2% QoQ) (-18.6% YoY & -5.8% QoQ) (34.9% YoY & -6.1% QoQ) NIM OPEX / Assets ROA ROE Ratios 6.2% 4.3% 1.0% 7.7% (-16 bps YoY & 2 bps QoQ) (41 bps YoY & -9 bps QoQ) (20 bps YoY & -11 bps QoQ) (179 bps YoY & -82 bps QoQ) 5 * Includes PTC of ₹ 4.03 bn ** PCR including SR provision is at 74.3%, which is stable on QoQ basis ^ excludes PTC & IBPC Extensive Pan-India Network with Deep Market Reach As on 30th Jun’26 Banking Outlets Share of Banking Outlets by Region Ladakh Jammu & Kashmir 2,864 Himachal Pradesh 22 6,388 outlets Branch Banking Uttarakhand Chandigarh 33 830 Banking Unit Uttar Pradesh Punjab 44 Madhya Pradesh 35 States & UTs Haryana 6622 55 Chhattisgarh 1,045 NCT of Delhi 8876 4499 Sikkim Assam 2034 299 683 660 647 489 9913 11 216 255 151 Bihar 746 237 88 Arunachal Pradesh 467 405 496 252 Rajasthan 223332 556507 449910 1122 Nagaland Gujarat 668833 88 Meghalaya Eastern Central Southern Western North Eastern Northern 9 9 Manipur 331111 118811 118 88 Mizoram 229931 1,727 Tripura 112255 Regional Diversification with Strong SU-RU Presence West Bengal Daman & Diu, 44 226633 Dadra & Nagar Haveli 335572 Jharkhand Odisha Maharashtra 115639 12% Metro Telangana Low to High concentration 33% 18% Goa 66 1 1 7 76 6 Urban Andhra Pradesh Karnataka 117782 Semi Urban 37% Andaman & Nicobar Islands Rural 55 Puducherry 113237 2 Kerala 2286 Tamil Nadu Powered by Bing East – WB, BR, JH, OD, SK, A&N | Central – CG, MP, UP, UK | South – AP, TS, KA, KL, TN,PY | West – MH, © GeoNames, Microsoft, TomTom 6 GJ, GA, D&D | North-East – ARP, AS, MN, MZ, ML, NL, TR, | North – DL, PB, HR, RJ, HP, CH, J&K, LA Bandhan Bank’s Journey On Its Strategic Objectives Portfolio Diversification (Higher Secured Mix) Liability Resilience (Higher Retail Deposits Share) A calibrated shift towards higher secured assets mix has strengthened Focused retail deposit strategy driving higher granularity and portfolio resilience and diversification across lending segments a more stable, low-cost funding base 74.0% 73.7% 72.4% % 1 .7 5 % 0 .3 5 % 1 .1 5 % 5 .9 4 % 9 .7 4 % 1 .5 4 % 3 .3 4 % 8 .3 4 % 2 .3 4 69.1% 68.7% 68.9% 68.2% 70.9% 67.8% % 9 .2 4 % 0 .7 4 % 9 .8 4 % 5 .0 5 % 1 .2 5 % 9 .4 5 % 7 .6 5 % 2 .6 5 % 8 .6 5 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Secured % Unsecured % Strengthen Asset Quality Improve Profitability Driving sustainable asset quality outcomes through disciplined Embedding predictability in return ratios through balance sheet credit selection, portfolio diversification and recovery focus strengthening and conscious risk realignment 2.5% 3.0% 20% 4.1% 2.1% 3.9% 2.5% 3.5% 3.4% 3.3% 15% 2.0% 1.9% 2.0% 1.5% 1.1% 1.0% 10% 1.6% 0.9% 0.7% 1.8% 1.0% 0.8% 0.4% 5% % % % % % % % % % % % % % % % % % % 0.5% 0.2% 2 1 7 3 7 3 7 3 0 4 0 4 3 0 3 0 1 9 .4 .1 .4 .1 .4 .1 .4 .1 .5 .1 .5 .1 .3 .1 .3 .1 .3 .0 0.0% 0% Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 GNPA NNPA Credit Cost % ROA ROE (RHS) 7 Gross Advances Mix All amount in ₹ Bn 16.4% Share of Loan Book 0.9% 0.6% IBPC 0.6% 0.0% 1,542.3 1,555.6 33.0% Wholesale 31.4% 10.0 10.0 Banking 1,336.2 27.7% 0 10.4% 484.5 512.8 Retail 10.4% 370.5 8.3% 160.9 161.0 22.2% 111.0 Housing 22.6% 24.4% 326.6 347.9 345.4 11.2% SBAL 11.8% 14.3% 528.1 539.1 526.4 22.6% EEB Group 23.1% 25.2% Jun'26 Mar'26 Jun'25 Jun'25 Mar'26 Jun'26 EEB (Group+SBAL) Housing Retail Wholesale Banking Group (WBG) IBPC Share of EEB (Group + SBAL) reduced from 39.5% in Jun’25 to 33.8% in Jun’26 Gross advances Includes PTC; SBAL - Small Business and Agri Loans, is a part of EEB portfolio 9 Emerging Entrepreneurs Business (EEB) All amount in ₹ Bn EEB Asset Growth Number of Active Borrowers (Mn) -0.3% -2.3% 12.9 12.4 12.9 539.1 528.1 526.4 Jun'25 Mar'26 Jun'26 EEB Loan Disbursement 182.1 174.2 191.6 150.4 107.1 45.8 105.0 29.8 31.3 357.0 352.2 336.5 104.6 77.2 73.7 Jun'25 Mar'26 Jun'26 Q1FY26 Q4FY26 Q1FY27 EEB Group SBAL EEB Group SBAL 10 Housing Finance All amount in ₹ Bn Housing: Product wise break-up Borrowers Bifurcation – Jun’26 Housing: Product wise share 5.7% 42.0% -0.7% 0.6% 0.7% 0.9% 56.5% 347.9 345.4 19.1% 326.6 22.4% 22.9% 2.5 3.1 1.5% 2.1 77.9 79.2 Salaried Professionals Self Employed 62.5 Housing Asset Disbursements Q1FY27 15.0 80.2% 76.9% 76.2% 262.1 267.6 263.0 Q4FY26 24.6 Q1FY26 18.2 Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Housing LAP Construction Housing LAP Construction 11 Retail Assets All amount in ₹ Bn Retail Assets: Product wise break-up Retail Assets: Product wise share 45.0% 8.3% 10.5% 12.1% 15.9% 18.8% 14.8% 0.1% 17.5% 18.5% 17.6% 20.0% 17.6% 16.5% 160.9 161.0 38.3% 35.7% 38.0% 17.0 19.5 111.0 30.2 23.8 Jun'25 Mar'26 Jun'26 Vehicle Personal Gold TD-OD Others 9.2 28.4 Retail Disbursements 29.8 17.6 19.5 28.3 26.6 22.2 32.8 57.4 61.1 22.7 42.5 19.7 Jun'25 Mar'26 Jun'26 Q1FY26 Q4FY26 Q1FY26 Vehicle Personal Gold TD-OD Others 12 Wholesale Banking All amount in ₹ Bn Wholesale Banking: Product wise break-up FIG, H&E: 96% of outstanding are A- & Above category (as per external rating) As on 30th Jun’26 38.4% BBB+&Below A- Others 3% AAA 5.8% 3% 0.4% A 4% AA+ 7% 19% 512.8 A+ 484.5 11% 42.1 36.9 25.2 27.7 21.9 370.5 21.6 21.6 AA AA- 40.4 203.1 24% 17.4 186.0 27% CBG: 76% of outstanding are BBB+ & Above category 123.3 (as per external rating) As on 30th Jun’26 Unrated & Others 212.3 220.5 8% AA- & Above 167.9 34% BBB & Below BBB+ to A+ Jun'25 Mar'26 Jun'26 16% 42% FIG, H&E CBG BBG ABG Others FIG, H&E – Financial Institution Group (includes healthcare, educational institutions and PTC); CBG – Corporate Banking Group (Erstwhile MMG – Mid Market Group); BBG – Business Banking Group; ABG – Aspiring Business Group (Erstwhile SEL); Others incl. SME LAP and Agri 13 Geographical Distribution of Loans & Advances Share of Loans & Advances by States Share of Loans & Advances by Region 42% 42% 42% 7% 6% 6% 21% 22% 22% 7% 6% 7% 7% 7% 6% 14% 15% 15% 16% 23% 24% 24% 17% 17% Jun'25 Mar'26 Jun'26 10% 9% 10% West Bengal Maharashtra Bihar Gujarat MP Others 15% 14% 14% 5% 5% 4% Category wise Distribution of Loans & Advances As on 30th Jun’26 12% 33% 33% 33% 14% 39% Metro Urban 35% Semi Urban Jun'25 Mar'26 Jun'26 Rural Eastern North Eastern Central Northern Southern Western Geographical distribution excludes IBPC & PTC 14 Deposits All amount in ₹ Bn Deposits (₹ in Bn) Retail Deposits* (%) *CASA + Retail TD 6.6% 73.7% 74.0% -0.9% 68.2% 1,663.4 1,648.9 Jun'25 Mar'26 Jun'26 1,546.7 CASA (%) 438.0 429.3 491.5 27.1% 29.3% 29.4% 737.9 734.8 Mar'25 Mar'26 Jun'26 636.6 Average SA Balance per Account (₹ in 000’) 372.7 395.9 353.9 1.4 1.6 1.7 64.7 114.8 88.9 39.7 38.9 41.6 Jun'25 Mar'26 Jun'26 CA SA TD Retail TD Others Jun'25 Mar'26 Jun'26 EEB deposits contribute to 2.4% of Total deposit as of Jun’26 General Banking EEB 15 Geographical Distribution of Deposits Share of Deposits by Region Share of Deposits by States 33% 33% 32% 4% 4% 5% 4% 4% 4% 14% 15% 14% 7% 6% 6% 11% 13% 12% 8% 8% 8% 41% 40% 41% 12% 11% 11% 12% 11% 11% Jun'25 Mar'26 Jun'26 4% 4% 4% West Bengal Maharashtra Uttar Pradesh NCT of Delhi Odisha Others Category wise distribution of Deposit 50% 51% 52% As on 30th Jun’26 9% 14% 40% Metro Urban 37% Jun'25 Mar'26 Jun'26 Semi Urban Rural Eastern North Eastern Central Northern Southern Western 16 Average Balances – Advances & Deposits All amount in ₹ Bn Average Advances Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 QoQ % YoY % EEB 543.1 520.5 515.2 501.0 524.6 4.7% -3.4% Housing Finance 321.3 326.6 332.4 339.6 346.3 2.0% 7.8% Retail Assets 104.8 114.1 127.8 143.4 155.9 8.7% 48.8% Wholesale Banking 353.4 369.7 401.9 446.6 477.3 6.9% 35.1% IBPC / Others 1.1 0.8 20.0 0.8 10.0 1182.1% 806.4% Total Average Advances 1,323.6 1,331.7 1,397.3 1,431.4 1,514.2 5.8% 14.4% Average Deposits Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY26 QoQ % YoY % CASA 400.9 389.5 386.6 397.2 418.6 5.4% 4.4% - Current Account (CA) 50.6 50.6 53.8 60.1 66.6 10.8% 31.6% - Savings Account (SA) 350.2 338.9 332.8 337.1 351.9 4.4% 0.5% Term Deposit 1,053.4 1,134.8 1,136.4 1,135.7 1,147.9 1.1% 9.0% - Retail TD 594.3 661.2 691.1 717.3 733.6 2.3% 23.4% - Bulk Deposit (incl. CDs) 459.1 473.7 445.3 418.4 414.4 -1.0% -9.7% Total Average Deposits 1,454.2 1,524.3 1,523.0 1,532.9 1,566.5 2.2% 7.7% Total Average Retail Deposits 995.2 1,050.7 1,077.7 1,114.5 1,152.1 3.4% 15.8% 17 Note: PTC is not included in average advances Geographical Distribution of Banking Outlets Banking Outlets Regional Diversification with Strong SU-RU Presence As on 30th Jun’26 Additional 44 Banking Outlets 12% 33% Metro 18% Urban 6,344 6,355 6,388 Semi Urban 37% Rural 1,750 1,955 1,988 Share of Banking Outlets by Region 4,594 4,400 4,400 Jun'26 45% 10% 16% 8% 11% 10% Mar'26 45% 10% 17% 6% 12% 10% Jun'25 45% 10% 16% 7% 11% 11% Jun'25 Mar'26 Jun'26 Branches Banking Units Eastern North Eastern Central Northern Southern Western 18 Segmental NPA and Credit Cost Segmental GNPA movement (₹ in Bn) Credit Cost 66.2 3.5% 2.9% 3.0% 3.3 2.0% 1.8% 7.3 50.2 48.8 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 8.1 3.5 3.5 Gross NPA and Net NPA 5.8 6.3 9.8 PCR incl. 8.0 74.3% SRs 74.3% 74.2% 73.7% 47.5 71.1% PCR 71.1% 5.0% 31.1 31.0 3.3% 3.1% 1.4% 1.0% 0.9% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 Gross NPA Net NPA EEB Housing WBG Retail Note: Credit cost is including the standard asset provisions 20 NPA movement All amount in ₹ Bn Particulars Q1FY26 Q2FY26 Q3FY26 Q4FY26 Q1FY27 FY25 FY26 Opening GNPA (A) 64.4 66.2 70.2 48.0 50.2 47.8 64.4 Fresh Slippages (B) 15.5 15.9 13.1 10.3 10.8 53.7 54.8 Reductions (C) : - Recoveries & Upgrades 3.2 3.2 9.2 3.6 4.5 13.1 19.3 - Technical Write offs 10.5 8.7 0.1 4.5 6.0 24.1 23.7 NPA Sale to ARC (D) - - 26.0 - 1.7 - 26.0 Technical Additions (other than slippages) (E) - - - - - - - Closing Gross (F = A + B – C – D + E) 66.2 70.2 48.0 50.2 48.8 64.4 50.2 Provisions 48.8 51.7 34.0 35.7 34.7 47.4 35.7 Net NPA 17.4 18.4 14.0 14.5 14.1 16.9 14.5 GNPA Ratio 5.0% 5.0% 3.3% 3.3% 3.1% 4.7% 3.3% NNPA Ratio 1.4% 1.4% 1.0% 1.0% 0.9% 1.3% 1.0% Credit Cost 3.5% 3.4% 3.3% 2.0% 1.8% 2.9% 3.0% PCR 73.7% 73.7% 70.8% 71.1% 71.1% 73.7% 71.1% PCR (incl. Security Receipts) 74.3% 74.2% 74.2% 74.2% 74.3% 74.5% 74.2% PCR (incl. Technical write offs) 87.3% 87.6% 84.3% 84.9% 85.9% 86.5% 84.9% 21 Note: Recoveries & Upgrades include amount received from the ARC sale during the respective quarters EEB Collection Efficiency Top states Collection Efficiency for the Month Collection Efficiency for the Quarter States Mar’26* Jun’26* Q4FY26 Q1FY27 Excluding Arrears Excluding Arrears % % W As e s s a t m Bengal 9 9 8 9 . . 4 4 % % 9 9 8 9 . . 2 3 % % 9 9 9 9 . . 1 9 % % 9 9 8 9 . . 7 5 % % % 7 . 4 9 % 7 . 4 9 % 6 . 8 9 % 5 . 8 9 % 8 . 1 1 1 % 0 . 0 1 1 % 4 . 5 9 % 4 . 5 9 % 3 . 9 9 % 9 . 8 9 2 . 0 1 1 4 . 8 0 1 Rest of India 98.7% 98.5% 99.3% 98.9% Total 98.6% 98.5% 99.3% 98.9% Including NPA Excluding NPA Including arrears Including NPA Excluding NPA Including Arrears * Details are for respective months Mar'26 Jun'26 Q4FY26 Q1FY27 Customer Paying Profile Mar’26 Jun’26 Category Share of customers Share of receivables Share of customers Share of receivables Full Paying 96.3% 97.1% 97.3% 97.8% Partial Paying 3.3% 2.5% 1.8% 1.4% Non-Paying 0.4% 0.4% 0.9% 0.8% Total 100.0% 100.0% 100.0% 100.0% Collection efficiency details for top states and customer payment profiles are calculated excluding the NPA portfolio; EEB = Group Loan and Small Business and Agri Loans 22 EEB DPD movement SMA 0 SMA 1 ₹ 5.3 bn; ₹ 4.6 bn; ₹ 10.2 bn; ₹ 9.6 bn; ₹ 4.4 bn; ₹ 7.9 bn; 1.0% 0.9% Rest of India 1.9% 1.8% 0.8 % 1.5 % 1.6% 1.0% 1.2% 0.6% 0.7% 0.9% 0 0 . . 6 4 % % 0.8% 0.5% 0.4% 0.5% Assam 2.6% 2.6% 2.9% 0.8% 1.1% 1.2% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 West Bengal NPA SMA 2 Overall EEB ₹ 47.6 bn; 9.0% ₹ 4.8 bn; ₹ 4.2 bn; ₹ 4.2 bn; 0.9% 0.8 % 0.8% ₹ 31.1 bn; ₹ 31.0 bn; 12.1% 5.8 % 5.9% 0.7% 0.7% 1.2% 0.5% 0.4% 7.7% 7.3% 7.3% 0.3% 2.1% 2.3% 1.0% 1.0% 0.6% 5.2% 4.2% 4.9% Jun'25 Mar'26 Jun'26 Jun'25 Mar'26 Jun'26 23 EEB - Stress Pool and Vintage Analysis All amount in ₹ Bn Vintage Analysis 7.0% Q12025 Q22025 Q32025 Q42025 Q12026 Q22026 Q32026 Q42026 6.4% 6.1% 6.0% 5.8% 5.4% 5.4% 5.2% 4.9% 4.9% ) 5.0% 4.6% % ( A4.0% 4.2% 3.8% 4.0% 4.2% P 3.5% N 3.0% 3.3% 2.0% 2.1% 1.0% 0.8% 0.0% 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 Month on Book EEB – Stress Pool and Summary of Provisions EEB Stress-Pool & Provisions Jun’25 Mar’26 Jun’26 QoQ % YoY % FY25 FY26 YoY % SMA 1 5.3 4.4 4.6 4.5% -13.2% 5.2 4.4 -15.1% SMA 2 4.8 4.2 4.2 0.0% -12.5% 5.1 4.2 -18.4% NPA 47.6 31.1 31.0 -0.3% -34.9% 47.2 31.1 -34.1% EEB Stress-Pool Total 57.7 39.7 39.8 0.3% -31.0% 57.5 39.7 -31.0% Provision for NPA 38.0 24.4 23.9 -2.0% -37.1% 37.1 24.4 -34.2% Provision for Standard Assets – Normal 1.2 1.3 1.2 -7.7% 0.0% 1.3 1.3 -2.0% Additional Provision for Standard Assets 4.9 5.2 4.9 -5.8% 0.0% 5.3 5.2 -3.1% EEB Provisions Total 44.1 30.8 30.0 -2.6% -32.0% 43.7 30.8 -29.4% 24 PCR % (Outstanding % on Stress pool) 76.4% 77.6% 75.4% - - 75.9% 77.6% - Asset Quality: Strong focus on borrower affordability % % % 0 5 % % 1 6 % 1 6 4 6 % 1 6 % 9 5 % 4 .9 5 .3 6 .2 6 8 .0 6 Sharp decrease in other Lenders QoQ % % % 8 % 9 1 % 9 1 % 9 % 1 2 % 1 2 % 8 .0 2 0 .2 2 6 .2 2 .3 2 1 % % % % 0 1 % 0 1 % 9 % 0 1 % 0 1 % 4 .0 1 7 .0 1 9 .0 1 3 .1 1 % % 5 % 5 % 5 % 5 % 5 2 .5 % 3 .3 % 2 .3 % 3 .3 % 3 % 2 % 2 % 2 % 2 % 3 .2 % 8 .0 % 6 .0 % 6 .0 % 2 % 2 % 2 % 2 % 2 % 9 .1 % 3 .0 % 2 .0 % 2 .0 Bandhan bank Bandhan + 1 Bandhan + 2 Bandhan + 3 Bandhan + 4 Bandhan + >4 96% of the Portfolio June'24 Sep'24 Dec'24 Mar'25 Jun'25 Sept'25 Dec-25 Mar-26 Jun-26 - Majority of the borrowers with loan only with Bandhan or at max two lenders., - Strong focus towards orderly resolution of leveraged portfolio 25 Financial Performance (1/2) All amount in ₹ Bn Operating Profit -20.6% Net Interest Income -18.6% -5.8% 73.9 -5.8% 58.7 16.7 14.4 13.6 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 PAT -55.4% 5.9% 114.9 108.3 34.9% 4.5% -6.1% 27.5 27.6 28.0 29.2 12.2 3.7 5.3 5.0 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 27 Financial Performance (2/2) Spread (Annualized) 12.7% 12.0% 12.0% 13.5% 12.2% 7.0% 5.7% 6.5% 5.5% 6.4% 5.6% 7.1% 6.4% 6.8% 5.4% Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Yield Cost of funds (Excl Cap.) Spread Capital Adequacy Ratio (incl. Profit) NIM (Annualized) CRAR 19.4% 18.0% 18.2% 0.8% 0.7% 0.7% 7.1% 6.4% 6.2% 6.2% 6.1% % % % 6 3 5 . 8 . 7 . 7 1 1 1 Jun'25 Mar'26 Jun'26 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 28 Break up of Non-Interest Income All amount in ₹ Mn Details of other Income Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY25 FY26 YoY Processing Fees 1,698 2,761 1,927 -30.2% 13.5% 8,294 8,544 3.0% Third Party Income 838 2,137 1,235 -42.2% 47.3% 3,857 5,485 42.2% P&L on Investment sale and Revaluation 2,507 64 238 268.6% -90.5% 1,706 3,012 76.6% Release of prov on redemption of SR (ARC) 412 330 501 51.8% 21.6% 2,323 1,454 -37.4% Collection fees from ARC 130 278 148 -46.5% 14.1% 632 598 -5.4% Product / Service Charges 880 1,285 1,357 5.6% 54.3% 3,201 4,021 25.6% Bad Debts Recovery (on write-off) 200 159 143 -10.4% -28.7% 1,797 847 -52.9% Others 594 692 489 -29.3% -17.7% 7,856 3,379 -57.0% Total Other Income 7,259 7,707 6,038 -21.7% -16.8% 29,666 27,340 -7.8% Note: Q1FY26 other income includes treasury gain of ~Rs 2.5 bn; Excluding the treasury income, growth in the non-interest income would have been ~22% YoY during Q1FY27 29 Financial Performance ROA (Annualized) Operating expenses to Average Assets (Annualized) 1.5% 1.1% 1.0% 0.8% 0.6% 4.4% 4.3% 3.9% 4.0% 4.0% Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 ROE (Annualized) Cost to Income Ratio 11.6% 8.5% 7.7% 5.9% 59.6% 61.5% 56.8% 4.8% 52.1% 48.9% Q1FY26 Q4FY26 Q1FY27 FY25 FY26 Q1FY26 Q4FY26 Q1FY27 FY25 FY26 30 Profit & Loss Statement All amount in ₹ Bn Particulars Q1FY26 Q4FY26 Q1FY27 QoQ YoY FY25 FY26 YoY Interest Income 54.8 54.3 56.3 3.7% 2.8% 219.5 216.9 -1.2% Interest expenses 27.2 26.3 27.1 2.9% -0.3% 104.6 108.6 3.8% Net Int. Income (NII) 27.6 28.0 29.2 4.5% 5.9% 114.9 108.3 -5.8% Non Interest Income 7.3 7.7 6.0 -21.7% -16.8% 29.7 27.3 -7.9% Total Income 34.8 35.7 35.2 -1.2% 1.2% 144.6 135.6 -6.2% Operating Expenses 18.1 21.3 21.7 1.9% 19.4% 70.7 77.0 8.9% Operating Profit 16.7 14.4 13.6 -5.8% -18.6% 73.9 58.7 -20.6% Provision (Std. + NPA) 11.5 6.8 6.8 0.8% -40.5% 37.7 41.3 9.7% Profit before tax 5.2 7.6 6.8 -11.6% 29.5% 36.2 17.3 -52.1% Tax 1.5 2.3 1.7 -24.4% 16.3% 8.8 5.1 -41.9% Profit after tax 3.7 5.3 5.0 -6.1% 34.9% 27.5 12.2 -55.4% 31 Balance Sheet All amount in ₹ Bn Capital & Liabilities 30th Jun’25 31st Mar’26 30th Jun’26 YoY Capital 16.1 16.1 16.1 0.0% Employees stock options outstanding 2.7 3.2 3.2 20.4% Reserves & Surplus 231.3 236.5 242.4 4.8% Shareholders Funds 250.1 255.7 261.7 4.6% Deposits 1,546.7 1,663.4 1,648.9 6.6% Borrowings 61.0 143.0 133.8 119.4% Other liabilities and provisions 36.3 49.0 49.8 37.3% Total 1,894.0 2,111.2 2,094.1 10.6% Assets 30th Jun’25 31st Mar’26 30th Jun’26 YoY Cash and balances with Reserve Bank of India 101.1 131.3 93.1 -8.0% Balance with Banks and Money at call and short notice 42.6 8.2 16.9 -60.4% Investments 382.9 386.7 383.1 0.1% Advances 1,285.1 1,501.0 1,516.8 18.0% Fixed Assets 11.8 14.0 15.1 27.4% Other Assets 70.4 70.0 69.2 -1.7% Total 1,894.0 2,111.2 2,094.1 10.6% 32 Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Bn) RR2 2.66 RR3 2.06 Security Receipts w.r.t portfolio sale to ARC CRISIL RR4 1.36 Unrated ~ 0.01 [ICRA]AA- (Stable) ICRA Non-Convertible Debenture # 12.95** CRISIL AA-/Stable CRISIL CRISIL A1+ CRISIL Certificate of Deposit 60.00* [ICRA] A1+ ICRA *Rating of ICRA is for ₹ 30 bn only, **Rating of ICRA is for ₹ 0.75 bn only #erstwhile GRUH Finance Limited transferred to Bandhan Bank Ltd ^ Represents SR's received against stress loan transferred during the quarter ended 31th Dec’25. The Net Book value of all the SR's is NIL as on March 31,2026. ~Since the outstanding face value has turned Rs 1.00, thus the same has not been rated by the respective Asset Reconstruction Companies (ARCs) as at June 30, 2026. The Gross value of Outstanding SR's are 100% provided. 33 Digital Adoption Scorecard – Key digital indices 59% 98% 90% 92% ofretail transactions RD CBDT Payments Saving Accounts are digital Invested digitally digitally opened digitally # 233% 115%* 99.9 % 28% of GST transactions Q-o-Q Growth in Total New MF Invested Online Deposit Contribution are digital transaction Value from Digitally To Overall Fixed Deposits Payment Aggregator Business 35 Indices pertaining to Q1FY27; *YOY Q1 growth ; # Through Tab/Assisted/DIY Volume Contribution for Q1FY27 Elevated our mutual fund platform with UIUX upgrade and capability enhancements Dashboard Investment Transactions Bandhan Large & Mid Cap Fund Consolidated Tools to build Key decision-making data displayed Portfolio View engagement upfront on the Fund Details page One-time and SIP investment options Intuitive Personalized accessible directly from the fund page Categorization insights Clean, structured forms with clear Portfolio Analysis visual hierarchy Funds Daily Gain/Loss Step-Up option integrated within SIP Categorization Representation setup Dashboard Investment Portfolio v/s In-Depth Contextual guidance through Market Analysis strategically placed info icons Asset allocation, Sectors and Holdings 36 Digital onboarding expansion with the introduction of Corporate Salary Account Journey 37 Deepening Relationship with our Sector Solutions Suite 38 Empowering Merchants with Static QR Linked with POS Terminal BENEFITS FOR THE BANK BENEFITS FOR MERCHANTS Increases Transaction Flexibility and convenience volumes in payment acceptance Enables currently non- Instant voice notification & transacting POS machines charge slip generation on the to become active POS terminal Drives more usage and No additional devices merchant engagement required Customer scans the Transaction reflected Charge slip reflected merchant’s Static QR and instantly in the POS terminal instantly in the POS terminal make the payment 39 Strong Independent Board Board of Directors (1/2) Mr. Debasish Panda Rajinder Kumar Babbar Non-Executive Chairman Partha Pratim Sengupta Executive Director & Chief Business Officer Managing Director & Chief Executive Officer - A 1987 batch IAS Officer, having distinguished career - Has more than three decades of experience in banking spanning more than three decades, has made pioneering - A career banker, with nearly four decades of experience in sector in various leadership roles contributions across finance, insurance, public health, the banking industry. agriculture, law enforcement, and urban development. - Retired from SBI as Deputy MD and Chief Credit Officer - Has been with HDFC Bank for more than 23 years, successfully led large teams across Transportation and - served as the Chairman of IRDAI and as Director on the - Former MD & CEO of Indian Overseas Bank Infrastructure Finance, Rural Banking and Retail Liabilities Boards of RBI, SBI, Bank of Baroda and LIC. Gauri Prosad Sarma Ratan Kumar Kesh Debashish Mukherjee Independent Director Executive Director & Chief Operating Officer Independent Director - A distinguished and dynamic banking professional having - Has around three decades of experience across industries in - Has over three decades of banking experience in Punjab over 37 years of experience in Information Technology leadership roles in multiple domains - Operations, National Bank, United Bank of India and Canara Bank, wherein Expertise in driving operational excellence, digital Technology, Transaction Banking, Product, Affluent Banking, he was involved both in retail and wholesale banking. transformation, fintech innovations and strategic Operations Risk, Enterprise Governance, Intelligent - Former Executive Director of Canara Bank. leadership Automation, Digital, Cx and Organisation Transformation. - Former Chief General Manager (Operations), PNB N V P Tendulkar Suhail Chander Subrata Dutta Gupta Independent Director Independent Director Independent Director - Significant experience in finance, accounts, IT and - A veteran banker with 37 years of rich experience in Banking - Significant experience in Asset-based Financing including management Operations, Trade Finance, Retail and Wholesale Banking. mortgage finance in Asia - Former Executive Director – Finance, Hewlett Packard - Retired as the Head of Corporate and Institutional Banking (India) - Retired as the Principal Financial Officer from IFC at IndusInd Bank in 2020 41 Strong Independent Board Board of Directors (2/2) Arun Kumar Singh Veni Thapar Vijay N Bhatt RBI (Nominee) Additional Director Independent Director - Appointed by RBI as an additional director effective June 24, 2024, Independent Director - CA & CMA with over 29 years of extensive experience in and his current extended term is up to June 23, 2027, or till further various audits incl. stat audit, bank audits, IT audits, etc., - Significant experience in accounting, audit and assurance orders, whichever is earlier . consultancy in company law, taxation, FEMA, etc. - Having a wide and rich experience of working in RBI for 35 years in - Former Sr. Independent Director of BSR & Co., Chartered the fields of Banking and Non-Banking Regulation & Supervision, - Served as Independent Director on the Board of Bank of India Accountants Enforcement actions against banks & non-banks, IT, Financial and other reputed institutions Inclusion, Monetary Policy, Government Banking, etc. Avijit Mukerji Non-Executive Non-Independent Director (Nominee of BFHL) - A Chartered Accountant with overall experience of more than three decades in audit and assurance - Former Senior Partner of Price Waterhouse. 42 Experienced and professional team… Core Management Team (1/2) Partha Pratim Sengupta Managing Director & Chief Executive Officer • 40+ years of experience in banking industry • Previously served as MD & CEO of Indian Overseas Bank Rajinder Kumar Babbar Ratan Kumar Kesh Executive Director & Chief Business Officer Executive Director & Chief Operating Officer • 38+ years of experience leadership experience in the banking sector. • 32+ years of experience in financial, banking, manufacturing and service industry • Previously worked as Group Head - Transportation, Infrastructure and Tractor Finance • Previously served as Head Retail Ops and Service at Axis bank Group at HDFC Bank Ltd Rajeev Mantri Santanu Banerjee Chief Financial Officer Head – Human Resources • 28+ years of experience in banking and finance across India, Singapore, and the UAE • 31+ years of experience in the field of banking and finance • Previously served as CFO at Citi India • Previously worked as Head of HR Business Relationship at Axis bank Suresh Chandran Satish Kumar Head – Branch Banking, Current Accounts, Affluent TPP & Govt. Business Head - Wholesale Banking • 30+ years of experience in experience in financial service industry. • 27+ years of experience in banking and financial services industry. • Previously served as Executive Vice President / Unit Head at IndusInd Bank Ltd • Previously served as National Head Credit – Mid Market at Kotak Mahindra Bank. Surajit Roy Chowdhury Hirak Sumatiprasad Joshi Head – Emerging Entrepreneurs Business Head-Retail Assets • 28+ years of experience in BFSI Sector • 29+ years of experience in Banking industry • Previously served as State Head –NE at IndusInd Bank • Previously served as Business Head-Vehicle Finance at Ujjivan Small Finance Bank Amitava Goswami Biju E Punnachalil Chief Compliance Officer Chief Risk Officer • 32+ years experience in banking Industry • 33+ years of experience in banking industry. • Previously worked in leadership roles in Retail Banking and Banking operations at Axis Bank • Previously served as General Manager & Chief Risk Officer in South Indian Bank. Experienced and professional team… Core Management Team (2/2) Rajesh Kumar Srivastava Pinaki Halder Head-Liability & Transaction Operations and Operations Support Group Chief Information Officer • 30+ years of experience in Banking industry. • 28+ years of experience in Banking Industry • Previously served as Head- Products & Principal Nodal Officer in Suryoday Bank • Previously served as SVP2 Business Intelligence Unit at Axis Bank Arindam Sarkar Nand Kumar Singh Head - Treasury Head-Credit Administration & Asset Operations • 25+ years of experience in banking industry. • 34+ years of experience in Banking Industry • Previously served as Head of Interest Rates, Corporate Bonds and Equity Trading • Previously served as Retail Banking Head, Patna Circle, at Axis Bank at Axis Banks Indranil Banerjee Siddhartha Sanyal Company Secretary Chief Economist and Head Research • 27+ years experience in financial industry • 26+ years of experience in the field of Macro Economic. • Previously served as Company Secretary at Energy Development Company • Previously served as Director and Chief India Economist at Barclays Bank PLC Sujoy Roy Ravindra Baburaya Gadiyar National Head-Collections (Designate) Head-Commercial & Retail Credit • 27+ years of experience in Banking Industry • 26+ years of experience in Banking Industry • Previously served as Cluster Head (Kolkata Central Cluster) at Axis Bank • Previously served as National Credit Head- Small Enterprise Group (Credit) at Axis Bank Prakash E Sandip Kumar Bubna Chief of Internal Vigilance (Interim) Chief Audit Executive (Interim) • 26+ years of experience in different Industry • 16 + years of experience in Banking Industry • Previously served as Assistant General Manager at Chemplast Sanmar • Previously served as Senior Audit Manager-Information Systems Audit at ICICI Bank 44 Awards and accolades ET Edge Best BFSI Brands Award, 2026: Bandhan Bank has been honoured with one of the Best BFSI Brands 2026 at the 9th Edition of ET Edge Best BFSI Brands, held in Mumbai. The Bank earned its place among India’s leading BFSI brands following a rigorous research-based evaluation conducted by the event’s research partner. Bandhan Bank also been honored with the ET now Best BFSI Brands Award in 2025, recognising leadership, innovation, and commitment to transforming the banking industry. Gallup Exceptional workspace Bandhan Bank received the 2025 Gallup Exceptional Workplace Award. We are among the only 62 organisations worldwide that have received this recognition, with this Bandhan Bank became two time winner. DIGIXX Awards 2026 by Adgully Bandhan Bank got recognition for digital lead generation campaign, that has been recognised by Adgully for our innovative use of MarTech, leveraging advanced audience segmentation and real-time AI based campaign optimisation to drive campaign optimisation and measurable business outcomes across six products categories. The campaign delivered improvements in brand and performance metrics, reflecting the impact of data marketing at scale. 46 Thank You For information contact: Vikash Mundhra, Head – Investor Relations investor.relations@bandhanbank.com