Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q1 FY2021-22 Earnings Presentation
33 slides from Bandhan Bank's earnings presentation, July 2021
Slide 1: Investor Presentation Q1 FY2021-22
Investor Presentation Q1 FY2021-22 July 2021 1
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 3
Slide 4: Key Highlights
Key Highlights Bandhan Bank - Overview Snapshot of operations Q1 FY 2021-22 Loan portfolio (on book + off book + TLTRO + PTC) for Q1 FY 21-22 grew 8.1% Y-o-Y Total Deposits ₹ 773.4 bn Deposits grew by 27.6% Y-o-Y in Q1 FY 21-22; Retail Deposit to Total Deposit at 82.6% Total Loans and PPoP to
Slide 5: EEB Portfolio Movement in Q1 FY 22
EEB Portfolio Movement in Q1 FY 22 Portfolio Position Portfolio Movement in Q1 FY 22 All amount in ₹ Bn. 584 (A) 60 (B) 137 135 532 (A+B-C) 112 (C) 23 584 532 Mar'21 Jun'21 Mar’21 Jun’21 Principal Disbursement Demand Interest Collection Collection Despite ~2x disbursement in Q1 FY 22 vis-à-vis Q1 FY
Slide 6: EEB Collection Efficiency
EEB Collection Efficiency Collection Efficiency Collection Efficiency for the month of June 21 for Q1 FY 22 77% 98% 72% 81% 86% Including NPA Excluding NPA Including NPA Excluding NPA Including Arrears Collection Efficiency of top states States For the month of June’21 For Q1 FY 22 West Bengal 73% 8
Slide 7: Pan Bank Collection Efficiency
Pan Bank Collection Efficiency Collection Efficiency Collection Efficiency for the month of June 21 for Q1 FY 22 101% 85% 89% 80% 84% Including NPA Excluding NPA Including NPA Excluding NPA Including Arrears Excluding Arrears Excluding Arrears 7
Slide 8: EEB NPA and Restructured customer payment pattern analysis for Q1 FY 22
EEB NPA and Restructured customer payment pattern analysis for Q1 FY 22 NPA customers payment pattern Restructured customers payment pattern NPA and Restructured customers payment pattern 74%, 84% 79%, 16% 21% 26% Paying Non Paying Paying Non Paying Paying Non Paying Share of non paying Share of non
Slide 9: EEB Portfolio - SMA Position
EEB Portfolio - SMA Position SMA-1 SMA-2 NPA 2.5% 2.4% 7.6% 9.3% 2.8% 10.1% 1.0% 5.5% 1.3% 1.2% 3.8% 5.0% 3.1% 5.6% 19.5% 5.1% 17.0% 14.2% 3.5% 12.1% 3.2% 2.6% 12.7% 10.2% Mar'21 Jun'21 Mar'21 Jun'21 Mar'21 Jun'21 West Bengal Assam Rest of India 9
Slide 10: Assam Portfolio Analysis – Vis-à-vis Government Scheme
Assam Portfolio Analysis – Vis-à-vis Government Scheme All amount in ₹ Bn. Portfolio June’21 63.5 Payment Behavior of remaining portfolio for the 6.6 month of June’21 35.8 1.8 21.1, 76% 6.6, 24% 27.7 4.8 Portfolio eligible under Govt. resolution plan Paying Non Paying Non NPA NPA Remaining portfolio
Slide 11: Status of restructured housing portfolio done in Q4 FY 21
Status of restructured housing portfolio done in Q4 FY 21 All amount in ₹ Bn. Restructured Portfolio of Q4 FY 21 Payment Behavior of portfolio in Q1 FY 22 post restructuring (moratorium ) is over 6.2 2.5, 96% 2.6 0.1, 4% 3.6 Paying Non Paying Restructured (moratorium) period over Restructuring (mora
Slide 12: Credit Guarantee fund for Micro Units (CGFMU) coverage update
Credit Guarantee fund for Micro Units (CGFMU) coverage update All amount in ₹ Bn. State Portfolio outstanding of cases disbursed CGFMU – Coverage (%) st st till 31 Mar’21 till 31 March 2021 West Bengal 222 95 43% Assam 62 28 45% Rest of India 194 20 10% Total 478 143 30% Bank has availed CGFMU gua
Slide 13: EEB- Negligible Top up and nil ECLGS in Q1 FY 22
EEB- Negligible Top up and nil ECLGS in Q1 FY 22 All amount in ₹ Bn. No of borrowers availed as % of borrower on that Quarter Top – Up Loans disbursements in key states - as % of portfolio as Top-up loans (No. of borrowers) on that quarter 9.9% 8.4% Top-up loans (value) 6.0% 6.5% 5.6% 4.8% 3.0% 3.3%
Slide 14: Business & Financial Overview
Business & Financial Overview 14
Slide 15: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population 5,574 Banking Outlets as on 30th Jun 2021* 5,310 4,559 9% Metro 35% 18% 1,152 Urban 1,147 38% Semi-Urban 1,018 Rural *Basis original classification at the time of opening 4,422 4,163 3,541 Geographic Distri
Slide 16: Asset Book Mix
Asset Book Mix Total Advances (₹ in Billion) Jun-21 870.4 803.6 24.1% EEB Group 743.3 72.9 11.9 EEB Individual 66.7 58.4% 66.3 11.2 8.3% Retail 202.1 1.4% 6.6 CB 193.6 7.8% Mortgages 195.6 Mar'21 EEB Group 583.5 23.2% 532.1 EEB Individual 474.8 59.4% 8.4% Retail 1.4% CB 7.6% Mortgages Jun'20 Jun'21
Slide 17: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) Emerging Entrepreneurs Asset Growth Number of Active Borrowers (Mn) (₹ in Billion) 583.5 532.1 12.3 66.5 11.6 474.8 11.2 62.9 21.9 Jun'20 Jun'21 Mar'21 EEB Loan Disbursement (₹ in Billion) 517.0 452.9 469.2 59.8 5.9 31.1 0.6 53.9 Jun'20 Jun'21 Mar'21 30.5 Group
Slide 18: Housing Finance
Housing Finance Housing Asset Bifurcation (₹ in Billion) Customers Bifurcation – Mar’21 0.6% 195.6 193.6 202.1 7.2 4.4 5.2 22.5 22.8 30.6 45.8% 53.6% 165.9 166.4 166.4 Jun'20 Jun'21 Mar'21 Salaried Self Employed Professionals Housing LAP Construction Housing Asset Segment wise (in %) Housing Asset D
Slide 19: Commercial Banking (CB) & Retail Assets
Commercial Banking (CB) & Retail Assets Product wise CB Assets (₹ in Billion ) SME & NBFC Others Growth 72.9 NBFC-Others SME 66.3 66.7 Q-o-Q YoY 31.5 45.9 43.0 -2% 39% 7.6 27.2 10.5 10.8 16.2 -7% 36% 13.2 Jun'20 Jun'21 Mar'21 NBFC -MFI NBFC-Others SME Product wise Retail Assets (₹ in Billion ) CB &
Slide 20: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Retail to Total Deposits (%) 78% 83% 79% 773.4 779.7 Jun'20 Jun'21 Mar'21 606.1 134.3 165.4 CASA (%) 42.9% 43.4% 135.3 307.1 276.0 37.1% 246.1 Jun'20 Jun'21 Mar'21 297.1 292.6 194.8 Average SA Balance Per Customer (₹ in 000’) 29.9 34.9 45.7 General
Slide 21: Financial Performance
Financial Performance Total income (₹ in Billion) Operating Profit (₹ in Billion) Net interest Income Other Income Total Income 18.7 26.5 25.5 17.3 22.0 5.3 15.8 7.9 3.9 Q1 FY21 Q1 FY22 Q4 FY21 21.2 PAT (₹ in Billion) 18.1 17.6 5.5 3.7 1.0 Q1 FY 21 Q1 FY 22 Q4 FY 21 Q1 FY21 Q1 FY22 Q4 FY21 21
Slide 22: Financial Performance
Financial Performance Capital Adequacy Ratio (CRAR) NIM (Annualized) Tier I Tier II Total 8.2% 8.5% 26.5% 6.8% 24.8% 23.5% 3.3% 1.0% 1.0% 23.2% 23.8% 22.5% Jun'20 Jun'21* Mar'21 Q1 FY21 Q1 FY22 Q4 FY21 *CRAR for Jun’21 including profit at 25.3% Spread (Annualized) Yield Cost of funds (Excl Cap.) Spr
Slide 23: Financial Performance
Financial Performance ROAA & ROAE (Annualised) Operating expenses to Average Assets (Annualized) ROAA ROAE 14.1% 2.8% 2.9% 2.5% 8.5% 2.3% 1.3% Q1 FY21 Q1 FY22 Q1 FY21 Q1 FY22 Q4 FY21 Cost to Income Ratio 32.0% 27.9% 29.3% Q1 FY21 Q1 FY22 Q4 FY21 23
Slide 24: Financial Performance
Financial Performance Segmental GNPA movement - (₹ in Billion) Gross NPA and Net NPA* Gross NPA (%) Net NPA 64.4 8.2% 57.6 6.8% 0.3 7.7 3.5% 3.3% 0.3 6.6 6.6 6.2 Retail Mar'21 Jun'21 CB *no write offs in Q1FY22 Housing Credit Cost (Annualised) EEB 49.8 44.5 7.2% 7.5% 4.9% Jun'21 Mar'21 Jun'20 Jun'21
Slide 25: Profit & Loss Statement (IN ₹ Bn)
Profit & Loss Statement (IN ₹ Bn) Particulars Q1 FY 22 Q4 FY 21 QoQ% Q1 FY 21 YoY% FY 21 Interest Income 34.10 30.01 13.63% 30.18 12.99% 125.24 Interest expenses 12.96 12.44 4.18% 12.07 7.37% 49.61 Net Int. Income (NII) 21.14 17.57 20.32% 18.11 16.73% 75.63 Non Interest Income 5.33 7.87 -32.27% 3.87
Slide 26: Balance Sheet (IN ₹Billion)
Balance Sheet (IN ₹Billion) As at As at Particulars % Change 30th Jun 2021 31st Mar 2021 Capital & Liabilities Capital 16.11 16.11 0.00% Reserves & Surplus 161.72 157.98 2.37% Shareholder Funds 177.83 174.09 2.15% Deposits 773.36 779.72 -0.82% Borrowings 119.10 169.60 -29.78% Other liabilities and p
Slide 27: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) Subordinated Tier II Non - CARE AA-; Stable CARE Ratings 1.60 Convertible Debenture [ICRA]AA; Stable ICRA [ICRA] AA; Stable ICRA Non-Convertible Debenture # 50.75** CRISIL AA/Stable CRISIL Term
Slide 28: Our Board & Management
Our Board & Management 28
Slide 29: 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 30: … 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 31: 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 32: 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 33: Thank You
Thank You Investor.relations@bandhanbank.com 33