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\nCorporate Overview  \n1 Introduction to Theme  \n2 Company Overview  \n4 Our Journey so Far  \n6 Key Performance Indicators  \n10 Chairman’s Message  \n12 MD & CEO’s Message  \n16 Board of Directors  \n23 Core Management Team  \n24 Diversified Product Suite  \n33 Information Technology  \n35 Operational Excellence  \n36 Human Capital  \n40 Risk Management  \n44 Building Brand Bandhan Bank  \n46 Treasury Management  \n46 Compliance  \n47 Stories of Transformation  \n50 Committed to Making a Difference in the Communities  \nStatutory Reports  \n54 Board’s Report  \n84 Report on Corporate Governance  \n123 Management Discussion and Analysis Report  \n137 Business Responsibility & Sustainability Report  \nFinancial Statement  \n178 Financial Statement  \nAbout this Report  \nThe Bank’s key purpose is to ensure that every individual falls under the purview of formal banking. In order to achieve this, the Bank is reaching out to the unbanked and under-banked population of the country and providing the rightful access to basic banking and financial services while also catering to metro and urban India through its various products and services. This demonstrates how the Bank is living its purpose.  \nForward-looking Statement  \nThis report contains forward-looking statements, which may be identified by their use of words like ‘plans’,‘expects’, ‘will’, ‘anticipates’,‘believes’, ‘intends’,‘projects’,‘estimates’ or other words of similar meaning. All statements that address expectations or projections about the future, including but not limited to statements about the Bank’s strategy for growth, product development, market position, expenditures and financial results, are forward-looking statements. Forward-looking statements are based on certain assumptions and expectations of future events. The Bank cannot guarantee that these assumptions and expectations are accurate or will be realised. The Bank’s actual results, performance or achievements could thus differ materially from those projected in any such forward-looking statements. The Bank assumes no responsibility to publicly amend, modify or revise any forward-looking statements, on the basis of any subsequent developments, information or events. The Bank has sourced the industry information from the publicly available resources and has not verified those information independently.  \nTo view this report online, please visit the investors’ corner section at:  \n[www.bandhanbank.com](www.bandhanbank.com)  \nLeaping Forward and Upward  \nBandhan Bank has laid a robust foundation, setting the stage for an ambitious leap into the future. The trust of its customers has been pivotal to the Bank’s success, and the Bank is committed to strengthening this trust by continuing to provide a superior banking experience.  \nBandhan Bank’s journey forward is driven by key investments in cutting-edge technology, enhanced digital experience, nurturing talent development, and an extensive distribution network. These focus areas ensure that the Bank develops a more capable and resilient ecosystem to drive future growth, while ensuring effective risk management and strong compliance.  \nWith a commitment to continually enhancing customer experience, fostering innovation and creating greater on-ground impact, the Bank is ready for its next growth phase.  \nThis year’s theme – ‘Bandhan Bank 2.0: Springboarding into the future’ – captures the very essence of the Bank’s journey, leveraging the strong foundation built over the years.  \nCompany Overview  \nBandhan Bank remains steadfast in its commitment to inclusive growth, embodying the principle of ‘Aapka Bhala, Sabki Bhalai’. This philosophy underscores the Bank’s mission to provide comprehensive banking solutions that cater to all customers. Trust is the cornerstone of the Bank’s relationship with its customers built through consistent demonstration of reliability and integrity. By offering a ","cbCailqUljVZfpxE","https://ap.wps.com/l/cbCailqUljVZfpxE","pdf",11272112,247,"English","# Annual Report\n## Stories Inside\n## Statutory Reports\n## Financial Statement\n## About this Report\n## Forward-looking Statement\n## Company Overview\n## Your Bank’s Philosophy\n## Vision\n## Mission\n## Values\n## Banking Outlets as on March 31, 2024","[{\"question\":\"What is Bandhan Bank’s key purpose described in the report?\",\"answer\":\"To ensure every individual falls under the purview of formal banking by reaching out to the unbanked and under-banked and providing access to basic banking and financial services.\"},{\"question\":\"How does the report define forward-looking statements?\",\"answer\":\"It lists words that signal future expectations and explains that projections about strategy, growth, product development, market position, expenditures, and financial results are forward-looking and based on assumptions.\"},{\"question\":\"What strategic areas drive Bandhan Bank’s journey forward?\",\"answer\":\"Key investments in technology, enhanced digital experience, talent development, and an extensive distribution network, supported by effective risk management and strong compliance.\"}]","Annual-Report-FY23-24-BBL - About this Report | PDF",1789868934,622]