• Event Type: Earnings Conference Call to discuss Q1 FY27 unaudited financial results

• Date and Time: Tuesday, July 21, 2026 (time not specified in transcript)

• Purpose: Discussion of quarterly results, operational activities, achievements, challenges, market conditions, strategic initiatives, and business environment updates

• Timing: The call was held after the earnings announcement, as it references results dated July 21, 2026

• Management Participants:

  • Mr. Partha Pratim Sengupta – Managing Director and Chief Executive Officer
  • Mr. Rajinder Kumar Babbar – Executive Director and Chief Business Officer
  • Mr. Ratan Kumar Kesh – Executive Director and Chief Operating Officer
  • Mr. Rajeev Mantri – Chief Financial Officer
  • Mr. Vikash Mundhra – Head of Investor Relations
  • Senior management team also present

• Availability of Materials: The transcript of the earnings call has been uploaded to the Bank's website at https://bandhan.bank.in/sites/default/files/2026-07/Bandhan-Bank-Q1FY27-Earnings-Call-Transcript_0.pdf

• UPSI Statement: The company did not explicitly state that no unpublished price sensitive information would be shared in this disclosure

• Financial Period Discussed: Q1 FY27 ended June 30, 2026

• Financial Highlights from Management Commentary:

  • Gross advances: INR 1.56 lakh crores (16% YoY growth)
  • Deposits: INR 1.65 lakh crores
  • CASA ratio: 29.4% (sequential improvement)
  • Retail deposits growth: 16% YoY
  • Net Interest Income: INR 2,921 crores (6% YoY growth)
  • Net Total Income: INR 3,524 crores
  • Operating Profit: INR 1,358 crores
  • Profit After Tax: INR 502 crores (35% YoY growth)
  • NIM: 6.2% (stable QoQ)
  • Gross NPA: 3.1%
  • Net NPA: 0.9%
  • Provision Coverage Ratio: 71.1% (74.3% including security receipt provisions)
  • Capital Adequacy Ratio: 18.2% (Tier 1: 17.5%)
  • Credit Cost: 1.8% (down from 2.0% in Q4 FY26)
  • ROA: 1.0%
  • ROE: 7.7%

• Portfolio Breakdown:

  • EEB portfolio: INR 52,641 crores (33% of total advances)
  • Non-EEB portfolio: 67% of total advances (27% YoY growth)
  • Secured portfolio: 57% of total advances (27% YoY growth)
  • Business segment mix: EEB group lending (23%), SBAL (11%), Wholesale Banking (33%), Housing Finance (22%), Retail and other loans (11%)

• Forward-Looking Statements and Strategic Themes:

  • Revised ROA guidance: 1.2%-1.4% for exit Q4 FY27 (down from previous guidance of 1.6%-1.8%)
  • Guidance revision attributed to external factors: elevated funding costs, Middle East geopolitical conflict impacting technology costs and energy prices, unpredictable monsoon
  • Medium-term strategic objective of 1.6%-1.8% ROA remains unchanged but timeline may extend
  • Expected credit cost guidance: 1.6%-1.8% for FY27
  • Advances growth guidance: 14% for FY27 (EEB: 5-10%, non-EEB: 20%+)
  • Focus on reducing DSA dependency and increasing branch-sourced assets
  • Continued technology investment with IT cost at ~8% of total opex (9.5% including depreciation)
  • Target to maintain EEB book at 33-35% of total advances
  • Target secured mix: 60% secured, 40% unsecured

Additional Notes Section

• Attachments: The regulatory filing includes the full transcript of the earnings conference call

• Financial Data: Extensive financial data was disclosed and discussed during the earnings call as detailed above

• Compliance: This disclosure is made pursuant to Regulation 30 and other applicable provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015