Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q2 FY2021-22 Earnings Presentation
28 slides from Bandhan Bank's earnings presentation, October 2021
Slide 1: Investor Presentation Q2 FY2021-22
Investor Presentation Q2 FY2021-22 October 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 Q2 FY 2021-22 Loan portfolio (on book + off book + TLTRO + PTC) for Q2 FY 21-22 grew 6.6% Y-o-Y Total Deposits ₹ 819 bn Deposits grew by 23.9% Y-o-Y in Q2 FY 21-22; Retail Deposit to Total Deposit at 84% Total Loans and Gross NPA is
Slide 5: EEB Collection Efficiency
EEB Collection Efficiency Collection Efficiency for the month Collection Efficiency for the quarter Q1 FY 22 Q2 FY 22 111% Jun'21 Sep'21 129% 98% 81% 81% 86% 88% 86% 93% 77% 83% 72% Including NPA Excluding NPA Including arrears Including NPA Excluding NPA Including Arrears Excluding Arrears Excludin
Slide 6: EEB DPD movement
EEB DPD movement Rest of India 1-30 days 31-60 Days Assam 24.6% 10.1% 5.5% West Bengal 23.2% 11.1% 7.1% 21.8% 19.5% 5.2% 10.1% 8.7% 10.0% 26.6% 12.1% 12.4% 8.7% Jun'21 Sep'21 Jun'21 Sep'21 61-90 Days NPA 9.3% 13.6% 2.4% 2.5% 6.5% 1.3% 3.8% 24.3% 2.7% 17.0% 5.1% 4.5% 17.8% 2.6% 12.7% 1.8% Jun'21 Sep'
Slide 7: EEB NPA and Restructured customer payment pattern analysis for Q2 FY 22
EEB NPA and Restructured customer payment pattern analysis for Q2 FY 22 NPA customers payment pattern Restructured customers payment pattern 65% 66% 35% 34% Paying Non Paying Paying Non Paying Share of non Share of non States States paying customers paying customers Assam 31% Assam 29% Rest of India
Slide 8: EEB stress pool coverage analysis
EEB stress pool coverage analysis All amount in ₹ Bn. Scenario 1 EEB Stress Pool ( Excluding SMA 1)- ₹ 156 Bn Coverage/Estimated Recovery Amount 73.3 Provision 95.2 Estimated recovery till 31st March 45 13.5 2022 # 69.2 CGFMU recovery 25 Assam Relief Scheme* xx NPA Restructured SMA 2 Total 165.2 Sce
Slide 9: Business & Financial Overview
Business & Financial Overview 9
Slide 10: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population 5,618 Banking Outlets as on 30th Sep 2021* 5,574 4,701 9% Metro 36% 18% 1,168 1,152 Urban 1,045 37% Semi-Urban Rural *Basis original classification at the time of opening 4,450 4,422 3,656 Geographic Distri
Slide 11: Asset Book Mix
Asset Book Mix Total Advances (₹ in Billion) 816.6 Jun-21 803.6 766.1 71.1 66.7 24.1% EEB Group 65.7 10.2 11.2 EEB Individual 7.3 58.4% 8.3% Retail 194.9 193.6 1.4% CB 195.3 7.8% Mortgages Sep'21 EEB Group 540.4 532.1 23.9% 497.8 EEB Individual 56.6% 9.5% Retail 8.7% CB 1.3% Mortgages Sep'20 Sep'21
Slide 12: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) Emerging Entrepreneurs Asset Growth Number of Active Borrowers (Mn) (₹ in Billion) 540.4 532.1 497.8 11.65 11.60 77.7 62.9 30.5 11.20 Sep'20 Sep'21 Jun'21 EEB Loan Disbursement (₹ in Billion) 467.3 462.7 469.2 129.5 104.3 26.7 10.7 59.8 102.8 5.9 Sep'20 Sep'21 J
Slide 13: Housing Finance
Housing Finance Housing Asset Bifurcation (₹ in Billion) Customers Bifurcation – Sep’21 0.3% 195.3 194.9 193.6 6.3 3.9 4.4 41.8% 22.7 23.3 22.8 57.9% 166.3 167.7 166.4 Sep'20 Sep'21 Jun'21 Salaried Self Employed Professionals Housing LAP Construction Housing Asset Segment wise (in %) Housing Asset D
Slide 14: Commercial Banking (CB) & Retail Assets
Commercial Banking (CB) & Retail Assets Product wise CB Assets (₹ in Billion ) SME & NBFC Others Growth 71.1 NBFC-Others SME 65.7 66.7 Q-o-Q YoY 33.7 44.2 43.0 28% 58% 8.5 13.4 10.5 23.5 3% 31% 13.5 13.2 Sep'20 Sep'21 Jun'21 NBFC -MFI NBFC-Others SME Product wise Retail Assets (₹ in Billion ) CB & R
Slide 15: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Retail to Total Deposits (%) 84% 83% 77% 819 773.4 Sep'20 Sep'21 Jun'21 661.3 131.1 134.3 CASA (%) 152.6 322.4 44.6% 307.1 42.9% 38.2% 255.9 Sep'20 Sep'21 Jun'21 329.8 297.1 220.0 Average SA Balance Per Customer (₹ in 000’) 32.8 35.7 34.9 General Ba
Slide 16: Financial Performance
Financial Performance Total income (₹ in Billion) Operating Profit (₹ in Billion) Net interest Income Other Income Total Income 27.1 19.4 24.3 16.1 15.5 22.9 6.0 4.9 3.7 Q2 FY21 Q2 FY22 Q1 FY22 21.1 PAT (₹ in Billion)* 19.2 19.4 9.2 3.7 Q2 FY 21 Q2 FY 22 Q1 FY 22 -30.1 Q2 FY21 Q2 FY22 Q1 FY22 *Durin
Slide 17: Financial Performance
Financial Performance NIM (Annualized) Operating expenses to Average Assets (Annualized) 8.0% 8.5% 7.6% 2.9% 2.8% 2.6% Q2 FY21 Q2 FY22* Q1 FY22 *NIM for Sep’21 impacted due to one time adjustment of interest reversal on NPA, access liquidity kept for Q2 FY21 Q2 FY22 Q1 FY22 disbursement going forwar
Slide 18: Financial Performance
Financial Performance Capital Adequacy Ratio (CRAR) Tier I Tier II Total 25.7% 24.8% 20.4% 3.5% 0.9% 1.0% 22.2% 19.4% 23.9% Sep'20 Sep'21 Jun'21 Spread (Annualized) Yield Cost of funds (Excl Cap.) Spread 13.3% 13.7% 12.4% 7.1% 7.9% 6.2% 7.1% 5.3% 5.7% Q2 FY21 Q2 FY22 Q1 FY22 18
Slide 19: Financial Performance
Financial Performance Segmental GNPA movement - (₹ in Billion) Gross NPA and Net NPA Gross NPA (%) Net NPA 87.6 10.8% 0.2 8.2% 6.8 64.4 7.3 3.3% 3.0% Retail Jun'21 Sep'21 0.3 7.7 CB 6.6 Housing Credit Cost (Annualised) EEB Credit Cost - Standard Credit Cost NPA 73.3 29.0% 24.0% 49.8 12.5% 19.0% 14.0
Slide 20: Profit & Loss Statement (IN ₹ Bn)
Profit & Loss Statement (IN ₹ Bn) Particulars Q2 FY 22 Q1 FY 22 QoQ% Q2 FY 21 YoY% Interest Income 31.81 34.10 -6.72% 31.98 -0.53% Interest expenses 12.46 12.96 -3.86% 12.75 -2.27% Net Int. Income (NII) 19.35 21.14 -8.47% 19.23 0.62% Non Interest Income 4.92 6.00 -18.00% 3.67 34.06% Total Income 24.
Slide 21: Balance Sheet (IN ₹Billion)
Balance Sheet (IN ₹Billion) As at As at Particulars % Change 30th Sept 2021 31st Mar 2021 Capital & Liabilities Capital 16.11 16.11 0.00% Reserves & Surplus 130.05 157.98 -17.68% Shareholder Funds 146.16 174.09 -16.04% Deposits 818.98 779.72 5.04% Borrowings 139.05 169.60 -18.01% Other liabilities a
Slide 22: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) Subordinated Tier II Non - [ICRA]AA; Stable ICRA 1.60 Convertible Debenture [ICRA] AA; Stable ICRA Non-Convertible Debenture # 50.75** CRISIL AA/Negative CRISIL Term Loans From Bank ICRA]AA Stab
Slide 23: Our Board & Management
Our Board & Management 23
Slide 24: 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 25: … 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 26: 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 27: 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 28: Thank You
Thank You Investor.relations@bandhanbank.com 28