Page 1

Particulars Bandhan Bank Limited DN - 32 , Sector V , Salt Lake , Kolkata - 700091 CIN : L67190WB2014PLC204622 Tel : 033-66090909 ; www.bandhanbank.com ; Email : info@bandhanbank.com UNAUDITED FINANCIAL RESULTS FOR THE QUARTER AND HALF YEAR ENDED SEPTEMBER 30 , 2021 Quarter Ended 30.09.2021 Unaudited 30.06.2021 Unaudited Half - Year Ended 30.09.2020 30.09.2021 30.09.2020 Unaudited Unaudited Unaudited ( in lakhs ) Year Ended 31.03.2021 Audited 1 Interest Earned ( a + b + c + d ) 3,18,088.53 3,41,001.25 3,19,762.98 6,59,089.78 6,21,571.68 12,52,421.19 a ) Interest / discount on advances / bills 2,77,767.57 2,99,043.83 2,79,254.72 5,76,811.40 5,41,451.11 10,89,179.39 b ) Income on Investments 33,940.73 34,142.66 27,228.86 68,083.39 50,153.44 1,17,415.24 c ) Interest on balance with Reserve 5,837.67 2,476.31 4,672.98 8,313.98 8,739.93 11,821.12 Bank of India and other inter bank funds d ) Others 542.56 5,338.45 8,606.42 5,881.01 21,227.20 34,005.44 2 Other Income 49,162.77 60,008.87 36,682.84 1,09,171.64 75,053.37 1,99,101.86 3 Total Income ( 1 + 2 ) 3,67,251.30 4,01,010.12 3,56,445.82 7,68,261.42 6,96,625.05 14,51,523.05 4 Interest Expended 1,24,547.23 1,29,593.92 1,27,453.75 2,54,141.15 2,48,109.83 4,96,085.63 5 Operating Expenses 87,781.40 77,592.96 67,732.01 1,65,374.36 1,29,141.98 2,81,688.50 i ) Employees Cost 54,567.93 49,979.01 41,478.16 1,04,546.94 80,418.45 1,66,463.04 ii ) Other Operating Expenses 33,213.47 27,613.95 26,253.85 60,827.42 48,723.53 1,15,225.46 6 Total Expenditure ( 4 + 5 ) ( Excluding provisions & Contingencies ) 2,12,328.63 2,07,186.88 1,95,185.76 4,19,515.51 3,77,251.81 7,77,774.13 7 Operating Profit before Provisions 1,54,922.67 1,93,823.24 1,61,260.06 3,48,745.91 3,19,373.24 6,73,748.92 & Contingencies ( 3-6 ) 8 Provisions ( other than tax ) & 5,57,791.96 1,44,202.04 37,959.22 7,01,994.00 1,22,560.42 3,78,883.43 Contingencies 9 Exceptional Items 10 Profit from ordinary activities before tax ( 4,02,869.29 ) | 49,621.20 1,23,300.84 ( 3,53,248.09 ) 1,96,812.82 2,94,865.49 ( 7-8-9 ) 11 Tax Expenses ( 1,02,009.33 ) 12,313.05 31,299.37 ( 89,696.28 ) 49,829.53 74,319.79 12 Net Profit from ordinary activities after ( 3,00,859.96 ) 37,308.15 92,001.47 ( 2,63,551.81 ) 1,46,983.29 2,20,545.70 tax ( 10-11 ) 13 Extraordinary items ( net of tax expenses ) 14 Net Profit for the period ( 12-13 ) ( 3,00,859.96 ) 15 Paid up equity share capital ( Face value of 10 / - each ) 1,61,070.06 37,308.15 1,61,066.91 92,001.47 1,61,035.36 ( 2,63,551.81 ) 1,61,070.06 1,46,983.29 2,20,545.70 1,61,035.36 1,61,059.92 16 Reserve excluding revaluation reserves 15,79,758.45 17 Analytical Ratios ( i ) Percentage of shares held by NIL NIL NIL NIL NIL NIL Government of India ( ii ) Capital Adequacy Ratio 20.44 24.81 25.68 20.44 25.68 23.47 ( iii ) Earning per share ( a ) Basic EPS before & after ( 18.68 ) 2.32 5.71 ( 16.36 ) 9.13 13.70 extraordinary items * ( b ) Diluted EPS before & after ( 18.68 ) ) 2.32 5.71 ( 16.36 ) 9.13 13.69 extraordinary items * ( iv ) NPA Ratios ( a ) Gross NPAS 8,76,360.25 6,44,038.03 87,397.06 8,76,360.25 87,397.06 5,75,775.83 ( b ) Net NPAS 2,26,580.89 2,45,786.51 26,254.63 2,26,580.89 26,254.63 2,86,103.22 ( c ) % of Gross NPAs to Gross Advances 10.82 % 8.18 % 1.18 % 10.82 % 1.18 % 6.81 % ( d ) % of Net NPAs to Net Advances 3.04 % 3.29 % 0.36 % 3.04 % 0.36 % 3.51 % ( v ) Return on Assets ( average ) * -2.64 % 0.33 % 0.90 % -2.34 % 1.49 % 2.13 % * Figures for the quarters and half year are not annualised