Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q1 FY2019-20 Earnings Presentation
27 slides from Bandhan Bank's earnings presentation, July 2019
Slide 1: Investor Presentation – Q1 FY 2019-20
Investor Presentation – Q1 FY 2019-20 July 2019
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 & Strengths
Key Highlights & Strengths Bank
Slide 4: Key Highlights
Key Highlights Bandhan Bank - Overview Snapshot of operations (30th June 2019) Total Deposits ₹ 437.01 bn Loan portfolio (on book + off book) for Q1FY 19-20 grew 39.36% Y-o-Y Deposits grew by 42.34% Y-o-Y in Q1 FY 19-20 Total loans ₹ 454.20 bn1 and advances Net NPA at 0.56% Net interest margin
Slide 5: Geographical Distribution
Geographical Distribution 5
Slide 6: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population 5000 4000 4013 Banking Outlets as on 30th June 2019* 3701 4000 Metro, 3000 10% Rural, Urban, 2000 36% 2764 3014 3014 19% 1000 937 986 999 0 June 18' March 19' June 19' Semi- urban, Branches DSCs Banking Out
Slide 7: Geographical Distribution
Geographical Distribution Present in 34 of the 36 States and Union Territories of India. Lakshadweep & Daman and Diu are the only ones that do not have a Bandhan Bank presence. DSCs Branches
Slide 8: Amalgamation Update
Amalgamation Update Bandhan Bank
Slide 9: Update on Amalgamation of Gruh Finance into and with the Bank
Update on Amalgamation of Gruh Finance into and with the Bank Receipt of approval from Application to SEBI for NSE and BSE considering the Receipt of approval from amalgamation as a SEBI for adaptation of Filing the Approval of method of complying scheme of Amalgamation as scheme with amalgamati
Slide 10: Business Overview
Business Overview Bandhan Bank
Slide 11: Asset Overview
Asset Overview Advances Growth (₹ in Billion) Composition of Advances (in %) 454.20 447.76 325.90 85% 86% 86% 15% 14% 14% June 18' June 19' March 19' June 18' June 19' March 19' Non-Micro Banking Assets Micro Banking Assets Total Advances (₹ in Billion) 325.90 333.73 355.99 447.76 454.20 17.61 15.92
Slide 12: Micro Banking Assets
Micro Banking Assets Micro Banking Asset Growth (₹ in Billion) Number of Active Micro Borrowers (Mn) 9.84 9.49 391.66 386.15 7.95 279.7 June 18' June 19' March 19' June 18' June 19' March 19' Micro Loan Disbursement (₹ in Billion) Number of Customers (in Million) Micro Banking General Banking 193.24
Slide 13: Non Micro Assets
Non Micro Assets Non Micro Banking Asset growth (₹ in Billion ) Product wise Advances – Non Micro (₹ in Billion) 70 62.54 61.61 60 5.49 46.16 4.5 50 22.63 19.87 4.49 40 12.00 June 18' June 19' March 19' 30 18.41 16.99 20 18.71 Higher PSL Portfolio 5% 10 17.43 18.83 10.96 0 June' 18 June' 19 Mar' 19
Slide 14: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Retail to total Deposits (%) 79.98% 76.09% 77.36% 437.01 307.03 June 18' June 19' March 19' CASA (%) 279.44 TD 40.8% 35.5% 36.1% Savings Current 198.16 June 18' June 19' March 19' Average SA Balance (₹ in 000’) 128.34 88.15 General Banking Micro Ban
Slide 15: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) CARE AA-; (Double A Minus) CARE Ratings Outlook: Credit watch with Unsecured Subordinated Non - developing implications) 1.60 Convertible Debenture [ICRA]AA (Double A; Outlook: placed on rating
Slide 16: Financial Overview
Financial Overview Bandhan Bank
Slide 17: Financial Performance
Financial Performance Total income (₹ in Billion) PAT (₹ in Billion) Net Interest Income Other Income Total Income 19.52 7.01 55.59 4.82 Q1 FY19 Q1 FY20 FY19 10.63 Operating expenses to Average Assets (%) 3.80% 3.60% 17.23 3.38% 44.96 12.48 3.12 2.11 10.37 14.11 Q1 FY19 Q1 FY20 FY19 Q1 FY19 Q1 FY20
Slide 18: Financial Performance
Financial Performance ROAA & ROAE* Spread % ROAA ROAE Yield Cost of funds (Excl Cap.) Spread 24.4% 19.9% 15.4% 15.7% 15.4% 19.0% 8.9% 9.1% 9.1% 6.5% 6.6% 6.3% 4.5% 4.9% 4.2% Q1 FY19 Q1 FY20 FY19 Q1 FY19 Q1 FY20 FY19 Cost to Income Ratio Fee Income to Total Income Ratio 34.2% 32.6% 29.9% 12.8% 13.8%
Slide 19: Financial Performance
Financial Performance Capital Adequacy Ratio NIM Tier I Tier II Total 10.5% 10.4% 32.61% 27.03% 29.20% 10.3% 1.18% 1.28% 1.32% 31.43% 27.88% 25.75% Q1 FY19 Q1 FY20 FY19 June 18' June 19' March 19' Gross NPA and Net NPA Credit Cost Credit Cost - NPA Credit Cost - Standard Gross NPA (%) Net NPA 2.29%
Slide 20: Profit & Loss Statement (IN ₹ Billion)
Profit & Loss Statement (IN ₹ Billion) Particulars Q1 FY20 Q1 FY19 YoY% Q4 FY19 Q0Q% Mar-19 Interest Income 21.21 15.56 36.31% 18.33 15.71% 66.44 Interest expenses 7.1 5.19 36.80% 5.75 23.48% 21.48 Net Int. Income (NII) 14.11 10.37 36.07% 12.58 12.16% 44.96 Non Interest Income 3.12 2.11 47.87% 3.88
Slide 21: Balance Sheet (IN ₹ Billion)
Balance Sheet (IN ₹Billion) As at As at 31st 30th June QoQ% March 2019 Particulars 2019 Capital & Liabilities Capital 11.93 11.93 0.00% Reserves & Surplus 102.79 100.09 2.70% Shareholder Funds 114.72 112.02 2.4103% Deposits 437.01 432.32 1.08% Borrowings 4.58 5.21 -12.09% Other liabilities and provi
Slide 22: Our Board & Management
Our Board & Management Bank
Slide 23: Management Team
Experienced and professional team… Chandra Shekhar Ghosh Mahendra Mohan Gupta MD & CEO Head, Legal Founder of BFSL, has 27 years of experience in the field of 34+ years experience in the legal, finance and banking industry microfinance and development Previously worked as DGM- Legal at ICICI B
Slide 24: Management Team
Experienced and professional team… Arvind Kanagasabai Nand Kumar Singh Head, Treasury Head, Banking Operations and Customer Services 27+ years experience in banking industry 30+ years of experience at a PSU Bank Previously served as Retail Banking Head, Patna Circle, at Axis Bank Previously
Slide 25: Board of Directors
… backed by a strong independent Board Chandra Shekhar Ghosh MD & CEO Dr. Anup Kumar Sinha Has significant experience in the field of microfinance Part-time Chairman Awarded ‘Outstanding Leadership Award’ by Dhaka University Economist with Ph.D from University of Sothern California Served as
Slide 26: Awards and accolades
Awards and accolades Businessworld Magna Awards 2019 Bandhan Bank won two awards in the small size bank category at the glittering ceremony of Magna Awards 2019 organised by Businessworld magazine in Mumbai. 1. Best Bank 2. Fastest Growing Bank 'Banker of the Year' award was conferred upon Mr. Chand
Slide 27: Thank You
Thank You Investor.relations@bandhanbank.com