Earnings Update Presentation on the Unaudited Financial Results of the Bank, for the quarter ended June 30, 2026.

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. Key Highlights 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^ *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** C [Showing first 8,000 characters — download PDF for full document]