Familiarisation Programmes

Details of Familiarisation programmes imparted to independent directors

In terms of Regulation 25(7) of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (the “SEBI LODR”), the Bank is required to familiarise its Independent Directors through various programme regarding the nature of the industry in which the Bank operates, its business model and their roles, rights, responsibilities and on any other relevant information relating to the finances/ operations of the Bank. Further, the details of the familiarisation programme is also required to be hosted on the website of the Bank, in terms of Regulation 46(2)(i) of the SEBI LODR.

The familiarisation program may include any orientation programs/presentations / training sessions to be conducted to provide an opportunity to the Independent Directors to interact with the senior leadership team of the Bank and help them to understand the Bank’s strategy, business model, group structure, operations, service, and product offerings, markets, organisation structure, finance, human resources, technology, quality, facilities, risk management strategy, governance policies, designated channels for flow of formation and such other areas as deemed necessary.

I. Briefing at the Board Meeting:

The agenda for the meeting of the Board of Directors or any Committees of the Board of the Bank covers the financial results of the Bank, operations of the Bank, review of the risk profile of the Bank, issues relating to compliance and governance, findings of internal audit, review of business strategy, organisation structure, succession planning, and impact of regulatory changes, in compliance with applicable banking, corporate and securities laws.

II. Induction programme for new Directors:

The Bank conducts induction programme for its new directors covering areas relating to board governance, finance and accounts, compliance, inter audit, human resource and operations.

New directors are also briefed on their obligations under the various policies/ code and on the terms of reference of the various committees of the Board of Directors of the Bank. Further, the new director also meets the Chairman of the Board, the Managing Director & CEO and members of the Senior Management of the Bank to get a first-hand account of business and regulatory environment and other issues concerning the operations of the Bank.

A welcome kit containing various declarations and submissions required to be made to the Board and key information/policy documents such as Code of Conduct, Memorandum and Articles of Association, Annual Report, Whistle Blower Policy etc. is provided to every Director inducted on the Board. A detailed letter informing the terms and conditions of appointment stating the roles and responsibilities in line with the requirements of Companies Act, 2013 and RBI guidelines are provided to the Independent Directors.

III. Training & Development:

The Bank encourages its Directors to attend training and development programmes conducted by the Bank internally as well as externally organised by various Institutes/Bodies/Regulators.

A booklet containing reading material on Board Evaluation is circulated to all Directors of the Bank to provide them insight on the performance evaluation rationale and mechanism.

The details of the training programmes attended by the Directors as required under Regulation 46 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015 are provided herein below.

OVERVIEW OF THE FAMILIARISATION PROGRAMMES CONDUCTED FOR THE DIRECTORS OF THE BANK PURSUANT TO REGULATION 46 OF SECURITIES AND EXCHANGE BOARD OF INDIA (LISTING OBLIGATIONS AND DISCLOSURE REQUIREMENTS) REGULATIONS, 2015

Training programme to update directors	Details of the programmes or training	Programme conducted by	No. of programmes attended	No. of hours spent in programmes
Strategy Meeting on 4th June 2018, at Raichak on Ganges, Fort Raichak, West Bengal	A separate meeting of the Board was held for presentations on business strategy and plans of the Bank till FY 2020-21 wherein Mc Kinsey team also updated the Board regarding Indian Macro environment and Financial Services.	Bandhan Bank Ltd (including a presentation by Mc Kinsey)	1 (One) programme attended by the 10 (Ten) directors.	8 (Eight) hours
Certification Programme in IT and Cyber Security for Board Members on 3rd & 4th December, 2018 at IDRBT, Hyderabad	The objective of the programme was to enlighten the Directors with the knowledge of cyber defence. The content of the course is given below: Principles of Cyber Security IT/Cyber Security governance IT/Cyber Risk Cyber Risk Mitigation Data Sensitivity/Privacy Issues Cyber Security Operation Centre Cyber Insurance Internal Audit framework.	Institute for Development and Research In Banking Technology (Established by Reserve Bank of India)	1 (One) programme attended by 5 (Five) directors.	16 (Sixteen) hours
Certification Programme in IT and Cyber Security for Board Members on 4th & 5th February, 2019 at IDRBT, Hyderabad	The objective of the programme was to enlighten the Directors with the knowledge of cyber defence. The content of the course is given below: Principles of Cyber Security IT/Cyber Security Governance IT/Cyber Risk Cyber Risk Mitigation Data Sensitivity/Privacy Issues Cyber Security Operation Centre Cyber Insurance Internal Audit framework.	Institute for Development and Research In Banking Technology (Established by Reserve Bank of India)	1 (One) programme attended by 2 (Two) directors.	16 (Sixteen) hours
TOTAL FOR THE FINANCIAL YEAR 2018-19			3 (Three)	40 (Forty) hours

Training programme to update directors	Details of the programmes or training	Programme conducted by	No. of programmes attended	No. of hours spent in programmes
Training Program on Corporate Governance by Centre for Corporate Governance, IIMC held on April 12, 2019, at Kolkata	The followings topics were deliberated upon during the full-day programme: Corporate Governance Regulations in India Corporate Governance in Banks Prudent Corporate Governance Corporate Social Responsibility	Indian Institute of Management, Calcutta	1 (One) programme attended by 8 (Eight) directors	8 (Eight) hours
Program for Non-Executive Chairmen & Directors on the Boards of Banks held on February 05-06, 2020 at Rendezvous, Taj Mahal Palace, Mumbai	The followings topics were deliberated upon during the full-day programme: Strategy Setting in current scenario of Low Interest Rate, Excess Liquidity and Intense Competition with Herding Behaviour Corporate Lending: Lessons from the past and building safeguards Retail Lending: What is changing and what risks are building up Digitalisation and Advance Technologies: Strategy, Cost & Benefits Loan Securitizations & Assignments: What to look for LODR Compliance: What the Non-Executive Chairmen &Directors Must Know. IBC Resolutions, non-IBC Resolutions and OTS: What to watch for Board Room Deliberations: Going along and guarding against Board Meetings: Practices on agenda setting, minutes recording and communications vis-à-vis Secretarial Standards	CAFRAL (Centre For Advanced Financial Research & Learning)–Promoted by Reserve Bank of India	1 (One) programme attended by 7 (Seven) Directors.	16 (Sixteen) hours
TOTAL FOR THE FINANCIAL YEAR 2019-20			2 (Two)	24 (Twenty Four) hours

Training programme to update directors	Details of the programmes or training	Programme conducted by	No. of programmes attended	No. of hours spent in programmes
Program on Digital Lending: Technologies, Processes and Regulations held onAugust 17-18, 2020	The following topics were deliberated upon during the full-day programme: Environment: Growth, Trends, Customer Segments, Prospects and Road Blocks Technology: Alternate Data, Digital Lending (‘DL’) Platforms, Business Models & Products Regulations & Law: Issues in DL DL for Home Loans: Use Case DL for MSME: Use Case	CAFRAL (Centre For Advanced Financial Research & Learning) –Promoted by Reserve Bank of India	1 (One) programme attended by 2 (Two) Independent Directors.	11 (Eleven) hours
Workshop on Board Meetings, Committee Meetings & General Meetings	The following topics were deliberated upon during the full-day programme: Board Constitution Law & Process of convening Board Meetings Various Board Committees and their constitution Role of committees in enhancing corporate governance Role of Directors& Independent Directors at Board & Committee Meetings Mitigating liabilities of Directors through Board Processes Practical tips on convening and conducting General Meetings including general Meetings through video conferencing Recent amendments and relaxations announced by MCA and SEBI	NAHRD (National Academy of Human Resource Development)	1 (One) programme attended by 7 (Seven) Independent Directors.	3 (Three) hours and 15 (Fifteen) minutes
Certification Programme in IT and Cyber Security for BoardMembers on 24th & 25th September, 2020 at IDRBT, Hyderabad	The objective of the programme was to enlighten the Directors with the knowledge of cyber defence. The content of the course is given below: Introduction to Cyber Security Cyber Security Operations Centre IT/Cyber Risk Management Group discussions Preliminaries Internal Audit Framework Cyber Security Breaches Introduction to Cyber Security Governance Regulatory Expectations and Concerns Monitoring Cyber Security Preparedness at Board Level Investigating Cyber Crimes/Frauds in Banks Discussions/interaction with panel Evaluation and Valediction	Institute for Development and Research In Banking Technology (Established by Reserve Bank of India)	1 (One) programme attended by 3 (Three) directors.	16 (sixteen) hours
TOTAL FOR THE FINANCIAL YEAR 2020-21			3 (Three)	30 (Thirty Four) hours 15 (Fifteen) minutes

Training programme to update directors	Details of the programmes or training	Programme conducted by	No. of programmes attended	No. of hours spent in programmes
June 10, 2021–Seminar on Corporate Governance Board Members of Commercial Banks	To deepen participants’ appreciation and understanding of: Principles and practice of Corporate Governance Prevailing governance regime for Commercial Banks Developing compliance culture in Commercial Banks	College of Agricultural Banking (CAB), Reserve Bank of India, Pune	1 (One) programme attended by 2 (Two) Independent Directors	7 (Seven) hours
July 20, 2021 –Seminar on Corporate Governance Board Members of Commercial Banks	To deepen participants’ appreciation and understanding of: Principles and practice of Corporate Governance Prevailing governance regime for Commercial Banks Developing compliance culture in Commercial Banks	College of Agricultural Banking (CAB), Reserve Bank of India, Pune	1 (One) programme attended by 1 (One) Independent Directors	7 (Seven) hours
August 14, 2021-Sustainable Development, Climate Change and Green Finance	To deepen participants’ appreciation and understanding of: Sustainable Development Climate Change & Green Finance	Dr. Anup Kumar Sinha, Chairman, Bandhan Bank	1 (One) programme attended by 7 (Seven) Independent Directors	3 (Three) hours and 15 (Fifteen) minutes
August 28, 2021 - Governance in Banks	An interactive discussion on case laws : Case Study: Yes Bank Limited: Too big to fail? Case Study: ICICI Bank: Restoring faith in corporate governance	National Institute of Bank Management(NIBM), Pune	1 (One) programme attended by 5 (Five) Independent Directors	3 (Three) hours and 30 (Thirty) minutes
December 2 & 3, 2021 - Certification Programme in IT and Cyber Security for Board Members	The objective of the programme was to enlighten the Directors with the knowledge of cyber defence. The content of the course is given below: Introduction to Cyber Security and Governance IT/Cyber Risk Management Cyber Security Operations Centre Internal Audit Framework Cyber Security Breaches – Some Case Studies Investigating Cyber Crimes/Frauds in Banks Regulatory Expectations and Concerns Monitoring Cyber Security Preparedness at the Board Level	Institute for Development and Research In Banking Technology (Established by Reserve Bank of India), Hyderabad	1 (One) programme attended by 4 (Four) Independent Directors	15 (Fifteen) hours
TOTAL FOR THE FINANCIAL YEAR 2021-22			5 (Five)	35 (Thirty Five) hours 45 (Forty Five) minutes
CUMULATIVE TILL DATE (SINCE APRIL 1, 2018)			13 (Thirteen)	130 (Hundred and Thirty) hours

Training programme to update directors	Details of the programmes or training	Programme conducted by	No. of programmes attended	No. of hours spent in programmes
September 1 & 2, 2022 - Certification Programme in IT and Cyber Security for Board Members of Banks	The objective of the programme was to enlighten the Directors with the knowledge of cyber defence. The content of the course is given below: Introduction to Cyber Security Governance IT/Cyber Risk Management Internal Audit Framework Cyber Security Breaches – Some Case Studies Investigating Cyber Crimes/Frauds in Banks Regulatory Expectations and Concerns Monitoring Cyber Security Preparedness at the Board Level	Institute for Development and Research In Banking Technology (Established by Reserve Bank of India), Hyderabad	1 (One) programme attended by 1 (One) Independent Director	15 (Fifteen) hours
October 19, 2022 - Virtual Conference on Financial Markets in India	The followings topics were deliberated upon during the full day programme: - Recent Regulatory Developments in Financial Markets – Challenges and Opportunities Contemporary Trends and Issues in Financial Markets – Practitioner’s Perspective Hedging of Financial Risks: Credit Default Swaps Rupee Trade: Recent RBI Measures and Way forward	CAFRAL (Centre For Advanced Financial Research & Learning) – Promoted by Reserve Bank of India	1 (One) programme attended by 4 (Four) Directors including 3 (three) Independent Directors	4 (Four) hours
January 5, 2023 – Programme on Governance and Assurance for Directors on Boards of Banks, FLs and NBFCs	The followings topics were deliberated upon during the full day programme: - Governance and Assurance Functions in Banks, FI s and NBFCs Risk Based Supervision Assessment of Governance Standards and Compliance Functions Corporate Governance Framework in Banks, FIs and NBFCs Ethical Performance and Value Oriented Decisions Behavioral Dynamics of Board Functioning Governance Challenges in use of Advanced Technologies in Financial Intermediation	CAFRAL (Centre For Advanced Financial Research & Learning) – Promoted by Reserve Bank of India	1 (One) programme attended by 5 (Five) Independent Directors	8 (Eight) hours
TOTAL FOR THE FINANCIAL YEAR 2022-23			3 (Three)	27 (Twenty Seven) hours
CUMULATIVE TILL DATE (SINCE APRIL 1, 2018)			16 (Sixteen)	157 (One Hundred and Fifty Seven) hours

Training programme to update directors	Details of the programmes or training	Programme conducted by	No. of programmes attended	No. of hours spent in programmes
May 30, 2023 - Strategic AML/ CFT Training for Board of Directors	The objective of the programme was to enlighten the Directors with the Strategic Insights related to Anti-Money Laundering (AML)/ Countering the Financing of Terrorism (CFT). The followings topics were deliberated upon during the programme: Global Trends and Local Impact covering money laundering and terrorist financing International AML / CFT framework Obligations of the Board and Regulatory Expectations Consequences of compliance failure Setting the tone from the top	Fintelekt Advisory Services Pvt Ltd	1 (One) programme attended by 9 (Nine) Directors, out of which 5 (Five) are Independent Directors	2 (Two) hours 50 (Fifty) minutes
September 7 & 8, 2023 - Certification Programme in IT and Cyber Security for Board Members of Banks	The objective of the programme was to enlighten the Directors with the knowledge of cyber defence. The content of the course is given below: Introduction to Cyber Security Governance IT/Cyber Risk Management Internal Audit Framework Cyber Security Breaches – Some Case Studies Investigating Cyber Crimes/Frauds in Banks Regulatory Expectations and Concerns Monitoring Cyber Security Preparedness at the Board Level	Institute for Development and Research In Banking Technology (Established by Reserve Bank of India), Hyderabad.	1 (One) programme attended by 2 (One) Independent Director, 1(One) Executive Director & 1(One) Non-Executive Non Independent	15 (Fifteen) hours 30 (Thirty) minutes
November 10, 2023 – Programme on Artificial Intelligence and Machine Learning	The followings topics were deliberated upon during the full day programme: - Fundamentals of AI/ML for Management Business Strategy with AI/ML Significant use cases AI/ML Governance and Oversight Risks in AI/ML and Risk Management Legal and Regulatory Compliance Data and Data Privacy Protection	CAFRAL (Centre For Advanced Financial Research & Learning) – Promoted by Reserve Bank of India	1 (One) programme attended by 1 (One) Independent Director	8 (Eight) hours
TOTAL FOR THE FINANCIAL YEAR 2023-24			3 (Three)	26 hours and 20 minutes
CUMULATIVE TILL DATE (SINCE APRIL 1, 2018)			19 (Nineteen)	183 hours and 20 minutes

Investor Contact Details

For Institutional Investors

+ 91 33 6609 0909

investor.relations@bandhanbank.com

For Retail Shareholders

+ 91 33 6609 0909

investors@bandhanbank.com

For Determination and Disclosure of Material Events/Information

Details of Key Managerial Personnel:

Chandra Shekhar Ghosh (Managing Director & Chief Executive Officer)

+91 33 6609 0909

Rajinder Kumar Babbar (Executive Director & Chief Business Officer)

+91 33 6609 0909

Ratan Kumar Kesh (Executive Director & Chief Operating Officer)

+91 33 6609 0909

Rajeev Mantri (Chief Financial Officer)

+91 33 6609 0909

Indranil Banerjee (Company Secretary)

+91 33 6609 0909

Details of RTA

The office of Registrar and Transfer Agent of the Bank attends to all share-related matter and investor-related activities including share transfer/transmission and dividend payments. This office also addresses grievances/complaints.

Details of Contact person

Mr. G Ram Das

(Senior Manager, Corporate Registry)

+91 99899 56921

ramdas.g@kfintech.com