Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q4 FY2021-22 Earnings Presentation
30 slides from Bandhan Bank's earnings presentation, May 2022
Slide 1: Investor Presentation Q4 FY2021-22
Investor Presentation Q4 FY2021-22 May 2022
Slide 2: Disclaimer
Disclaimer • This presentation is confidential and may not be copied, published, distributed or transmitted. The information in this presentation is being provided by Bandhan Bank Limited (also referred to as ‘Bank’). By attending a meeting where this presentation is made, or by reading this present
Slide 3: Key Highlights
Key Highlights
Slide 4: Key Highlights
Key Highlights Bandhan Bank - Overview Snapshot of operations Q4 FY 2021-22 Loan portfolio (on book + off book + TLTRO + PTC) for Q4 FY 21-22 grew 12.9% Total Deposits ₹ 963.3 bn Q-o-Q and 14.1% Y-o-Y Total Loans and Deposits grew by 14.0% Q-o-Q and 23.5% Y-o-Y in Q4 FY 21-22; Retail Deposit to
Slide 5: EEB Collection Efficiency
EEB Collection Efficiency Collection Efficiency for the month Collection Efficiency for the quarter Dec'21 Mar'22 Q3 FY 22 Q4 FY 22 176% 160% 154%150% 92% 95% 97% 99% 91% 94% 96% 97% Including NPA Excluding NPA Including arrears Including NPA Excluding NPA Including Arrears Excluding Arrears Excludi
Slide 6: EEB DPD movement
EEB DPD movement Rest of India 1-30 days 31-60 Days Assam 5.3% West Bengal 4.6% 3.0% 2.9% 4.6% 2.4% 2.3% 1.6% 2.5% 3.1% 6.3% 1.3% 3.9% 1.6% 3.5% 2.1% Dec'21 Mar'22 Dec'21 Mar'22 61-90 Days NPA 13.7% 7.4% 7.8% 2.9% 1.9% 1.9% 23.4% 3.2% 1.1% 5.7% 14.2% 4.4% 18.2% 3.2% 12.0% 2.2% Dec'21 Mar'22 Dec'21 M
Slide 7: EEB NPA and Restructured customer payment pattern analysis for Q4 FY 22
EEB NPA and Restructured customer payment pattern analysis for Q4 FY 22 NPA customers payment pattern Restructured customers payment pattern 59% 89% 11% 41% Paying Non Paying Paying Non Paying Share of non Share of non States States paying customers paying customers Assam 32% Assam 35% Rest of India
Slide 8: EEB stress pool coverage analysis
EEB stress pool coverage analysis All amount in ₹ Bn. EEB Stress Pool - ₹ 170 Bn. Dec’21 Coverage Amount 79.0 Provision 91.7 Estimated recovery till 30th June 50 16.7 57.8 2022 # 16.6 CGFMU recovery 25 Assam Relief Scheme* Xx NPA Restructured SMA 2 SMA 1 Total 166.7 EEB Stress Pool - ₹ 119 Bn. Mar’2
Slide 9: Bank on track to achieve the diversification goal as envisaged in the strategy plan
Bank on track to achieve the diversification goal as envisaged in the strategy plan for FY 25 Diversification Target as per strategy Plan 3% 2% 2% 1% 10% 9% 23% 24% 30% 16% 27% 86% 30% 59% 47% 30% FY 19 FY 21 FY 22 FY 25E EEB (Group Loans) COMMERCIAL BANKING HOUSING RETAIL ASSET Note: EEB individual
Slide 10: Business & Financial Overview
Business & Financial Overview 10
Slide 11: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population Banking Outlets as on 31st Mar 2022* 5,639 5,626 5,310 10% Metro 35% 18% 1,189 1,176 Urban 1,147 37% Semi-Urban Rural *Basis original classification at the time of opening 4,450 4,163 4,450 Diversifying pre
Slide 12: Asset Book Mix
Asset Book Mix Total Advances (₹ in Billion) Dec-21 993.4 23.8% EEB Group 870.4 880 117.2 9.5% 51.6% EEB Individual 16.6 13.8% Retail 72.9 83.7 11.9 11.3 CB 235.6 1.3% Mortgages 202.1 209.4 Mar'22 EEB Group 23.7% 624.0 46.8% 583.5 575.6 EEB Individual 11.8% Retail 16.0% CB 1.7% Mortgages Mar'21 Mar'
Slide 13: Emerging Entrepreneurs Business
Emerging Entrepreneurs Business Emerging Entrepreneurs Asset Growth Number of Active Borrowers (Mn) (₹ in Billion) 624.0 12.6 583.5 12.3 575.6 66.5 11.9 158.7 121.1 Mar'21 Mar'22 Dec'21 EEB Loan Disbursement (₹ in Billion) 517.0 465.3 454.5 266.4 229.7 202.8 27.3 66.2 62.2 239.1 Mar'21 Mar'22 Dec'21
Slide 14: Housing Finance
Housing Finance Housing Asset Bifurcation (₹ in Billion) Borrowers Bifurcation – Mar’22 235.6 0.2% 209.4 202.1 2.9 5.2 3.4 29.8 30.6 26.4 38.9% 60.9% 202.9 179.6 166.3 Mar'21 Mar'22 Dec'21 Salaried Self Employed Professionals Housing LAP Construction Housing Asset Segment wise (in %) Housing Asset D
Slide 15: Commercial Banking (CB) & Retail Assets
Commercial Banking (CB) & Retail Assets Product wise CB Assets (₹ in Billion ) SME & NBFC Others Growth NBFC-Others SME 117.2 Q-o-Q YoY 72.9 83.7 67.2 48% 107% 45.9 51.4 22.4 10.8 15.1 31% 46% 16.2 27.6 17.2 Mar'21 Mar'22 Dec'21 NBFC -MFI NBFC-Others SME Product wise Retail Assets (₹ in Billion ) CB
Slide 16: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Retail to Total Deposits (%) 79% 85% 77% 963.3 845 Mar'21 Mar'22 Dec'21 779.7 218.9 130.6 CASA (%) 165.4 45.6% 343.6 43.4% 329.1 41.6% 276.0 Mar'21 Mar'22 Dec'21 346.2 346.2 292.6 Average SA Balance Per Customer (₹ in 000’) 45.7 54.6 39.1 General Ba
Slide 17: Financial Performance
Financial Performance Total income (₹ in Billion) Operating Profit (₹ in Billion) Net interest Income Other Income Total Income 80.1 67.7 115.4 95.8 25.2 28.2 16.4 20.2 Q4 FY21 Q4 FY22 FY 21 FY 22 PAT (₹ in Billion) 35.0 87.2 22.1 24.6 75.6 9.6 19.0 7.0 25.4 17.6 Q4 FY 21 Q4 FY 22 FY 21 FY 22 1.0 1.
Slide 18: Financial Performance
Financial Performance Capital Adequacy Ratio (CRAR) NIM (Annualized) Tier I Tier II Total 8.7% 7.8% 8.2% 6.8% 20.0% 20.1% 1.0% 1.2% 19.0% 18.9% Dec'21 Mar'22 Q4 FY21 Q4 FY22 FY 21 FY 22 Spread (Annualized) Yield Cost of funds (Excl Cap.) Spread 13.3% 12.9% 13.0% 11.6% 8.3% 7.7% 6.0% 5.7% 6.1% 6.8% 5
Slide 19: Financial Performance
Financial Performance ROAA & ROAE Operating expenses to Average Assets (Annualized) ROAA ROAE 46.5% 2.9% 3.1% 3.0% 2.7% 2.4% 6.0% 0.4% Q4 FY 21 Q4 FY 22 Q4 FY21 Q4 FY22 FY 21 FY 22 Cost to Income Ratio 33.1% 29.4% 30.5% 28.0% Q4 FY21 Q4 FY22 FY 21 FY 22
Slide 20: Financial Performance
Financial Performance Segmental GNPA movement - (₹ in Billion) Gross NPA and Net NPA Gross NPA (%) Net NPA 94.4 0.2 10.8% 7.0 6.5% 6.8% 8.2 3.0% 3.5% 63.8 1.7% 57.6 Retail Dec'21 Mar'22 Mar'21 0.2 7.1 CB 0.3 8.0 6.6 Housing Credit Cost 6.2 EEB 79.0 48.5 9.3% 44.5 7.5% 5.1% 0.0% Dec' 21 Mar'22 Mar'21
Slide 21: Profit & Loss Statement (IN ₹ Bn)
Profit & Loss Statement (IN ₹ Bn) Particulars Q4 FY 22 Q3 FY 22 QoQ% Q4 FY 21 YoY% FY 22 FY 21 YoY% Interest Income 38.72 34.09 13.58% 30.01 29.04% 138.71 125.24 10.76% Interest expenses 13.32 12.84 3.74% 12.44 7.10% 51.57 49.61 3.95% Net Int. Income (NII) 25.4 21.25 19.53% 17.57 44.56% 87.14 75.63
Slide 22: Balance Sheet (IN ₹Billion)
Balance Sheet (IN ₹Billion) As at As at Particulars % Change 31st Mar 2022 31st Mar 2021 Capital & Liabilities Capital 16.11 16.11 0.00% Reserves & Surplus 157.70 157.98 -0.18% Shareholder Funds 173.81 174.09 -0.16% Deposits 963.31 779.72 23.55% Borrowings 199.21 169.60 17.46% Other liabilities and
Slide 23: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) [ICRA]AA (Negative) ICRA Non-Convertible Debenture # 20.53** CRISIL AA/Negative CRISIL Term Loans From Bank [ICRA]AA (Negative) ICRA 0.80 CRISIL A1+ CRISIL Certificate of Deposit 60.00* [ICRA] A
Slide 24: Our Board & Management
Our Board & Management 24
Slide 25: Management Team
Experienced and professional team… Chandra Shekhar Ghosh Arvind Singla MD & CEO Head-Operations & Technology Founder of BFSL, has 27 years of experience in the field of 26+ years experience in banking Industry and IT Sector . microfinance and development Previously worked as Director and Head,
Slide 26: … backed by a strong independent Board
… backed by a strong independent Board Board of Directors Dr. Anup Kumar Sinha Chandra Shekhar Ghosh Dr. A S Ramasastri Non-executive Chairman MD & CEO Independent Director - Economist with Ph.D from University of - Has more than 30 years of experience in - Previously, Director of Institute for Deve
Slide 27: Awards and accolades
Awards and accolades Businessworld Banker of the Year by Business Magna Awards 2019 Standard Mr. Chandra Shekhar Ghosh, Managing Director and Chief Executive Officer At Magna Awards 2019 organised by Businessworld, was declared as the Business Standard Bandhan Bank won two awards. ‘Banker of the Yea
Slide 28: Awards and accolades
Awards and accolades Dun & Bradstreet Corporate Awards 2021 Dun & Bradstreet honoured the torchbearers among Indian corporates at its annual 'Corporate Awards 2021’ held on July 16, 2021. The awards were virtually presented across 30+ categories. Bandhan Bank was recognised in the category of Best G
Slide 29: Awards and accolades
Awards and accolades Forbes Worlds Best Banks 2022 Bandhan Bank featured in Forbes World Best Bank’s list for the year 2022. Market research was conducted by leading firm ‘Statista’. e4m Pride of India Brands 2022 Bandhan Bank received Pride of India Brands awards organized by Exchange for Media, th
Slide 30: Thank You
Thank You Investor.relations@bandhanbank.com 30