Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q1 FY2022-23 Earnings Presentation
33 slides from Bandhan Bank's earnings presentation, July 2022
Slide 1: Investor Presentation Q1 FY2022-23
Investor Presentation Q1 FY2022-23 July 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 Q1 FY 2022-23 Housing Finance division has achieved its best ever growth of 27% YoY Total Deposits ₹ 930.6 bn Retail division grew 62% YoY, Commercial Banking division grew 81% YoY Total Loans and Loan portfolio (on book + off book
Slide 5: EEB Collection Efficiency
EEB Collection Efficiency (Excluding Restructuring portfolio) Collection Efficiency for the month Collection Efficiency for the quarter Mar'22 Jun'22 Q4 FY 22 Q1 FY 23 176% 150% 116% 117% 94% 94% 97% 98% 95% 93% 99% 97% Including NPA Excluding NPA Including arrears Including NPA Excluding NPA Includ
Slide 6: EEB Collection Efficiency (Including Restructuring portfolio)
EEB Collection Efficiency (Including Restructuring portfolio) Collection Efficiency for the month Collection Efficiency for the quarter Mar'22 Jun'22 Q4 FY 22 Q1 FY 23 176% 150% 110% 111% 94% 91% 97% 94% 95% 91% 99% 94% Including NPA Excluding NPA Including arrears Including NPA Excluding NPA Includ
Slide 7: EEB NPA and Restructured customer payment pattern analysis
EEB NPA and Restructured customer payment pattern analysis for Q1 FY 23 NPA customers payment pattern Restructured customers payment pattern 57% 73% 43% 27% Paying Non Paying Paying Non Paying Share of non Share of non States States paying customers paying customers Assam 20% Assam 38% Rest of India
Slide 8: EEB DPD movement
EEB DPD movement (Including Restructuring portfolio) 1-30 days 31-60 Days Rest of India 4.7% Assam 3.8% 3.0% West Bengal 1.6% 2.4% 7.7% 2.4% Overall EEB 2.0% 2.5% 1.3% 3.0% 3.9% 5.3% 1.6% 2.1% 2.8% Mar'22 Jun'22 Mar'22 Jun'22 61-90 Days NPA 7.8% 9.2% 5.6% 4.4% 1.9% 3.2% 2.9% 15.3% 14.2% 18.9% 1.1% 1
Slide 9: EEB stress pool coverage analysis
EEB stress pool coverage analysis All amount in ₹ Bn. Mar’22 EEB Stress Pool - ₹ 119 Bn. Coverage Amount Provision 69.7 48.5 Estimated recovery till 30th Sep 25 2022 10.2 48.9 CGFMU recovery 25 11.7 Assam Relief Scheme* Xx Total 119.7 NPA Restructured SMA 2 SMA 1 Jun’22 EEB Stress Pool - ₹ 121 Bn. C
Slide 10: Bank on track to achieve the diversification goal
Bank on track to achieve the diversification goal as envisaged in the strategy plan for FY 25 Diversification Target as per strategy Plan 2% 2% 2% 2% 2% 6% 10% 23% 24% 26% 30% 16% 27% 28% 86% 38% 59% 47% 44% 26% FY 19 FY 21 FY 22 Q1 FY 23 FY 25E EEB (Group Loans) COMMERCIAL BANKING HOUSING RETAIL AS
Slide 11: Business & Financial Overview
Business & Financial Overview 11
Slide 12: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population Banking Outlets as on 30th June 2022* 5,640 5,639 5,574 10% Metro 35% 18% 1,152 1,190 1,189 Urban 37% Semi-Urban Rural *Basis original classification at the time of opening 4,422 4,450 4,450 Diversifying pr
Slide 13: Asset Book Mix
Asset Book Mix Total Advances (₹ in Billion) Jun-22 EEB Group 966.5 993.4 SBAL* 25.5% 44.4% 117.2 Retail 803.6 120.9 12.5% 16.6 CB 18.1 15.7% 66.7 11.2 235.6 Mortgages 246.2 1.9% 193.6 Mar-22 EEB Group 581.3 624.0 23.7% SBAL* 532.1 46.8% 11.8% Retail 16.0% CB 1.7% June'21 June'22 Mar'22 Mortgages EE
Slide 14: Emerging Entrepreneurs Business
Emerging Entrepreneurs Business Emerging Entrepreneurs Asset Growth Number of Active Borrowers (Mn) (₹ in Billion) 12.7 12.6 624.0 581.3 11.6 532.1 158.7 62.9 152.1 June'21 June'22 Mar'22 EEB Loan Disbursement (₹ in Billion) 469.2 465.3 429.2 229.7 66.2 82.2 59.8 June'21 June'22 Mar'22 21.2 163.5 5.
Slide 15: Housing Finance
Housing Finance Housing Asset Bifurcation (₹ in Billion) Borrowers Bifurcation – June’22 246.2 235.6 0.2% 193.6 2.6 2.9 4.4 35.4 29.8 39.0% 22.8 60.8% 208.2 202.9 166.4 June'21 June'22 Mar'22 Salaried Self Employed Professionals Housing LAP Construction Housing Asset Segment wise (in %) Housing Asse
Slide 16: Commercial Banking (CB) & Retail Assets
Commercial Banking (CB) & Retail Assets Product wise CB Assets (₹ in Billion ) CB segment wise Growth NBFC SME 120.9 117.2 Q-o-Q YoY 66.7 68.4 4.8% 121.1% 67.2 43.0 52.4 50.0 1.8% 59.1% 23.7 June'21 June'22 Mar'22 NBFC SME Product wise Retail Assets (₹ in Billion ) CB & Retail Disbursements# – (₹ in
Slide 17: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Retail to Total Deposits (%) 83% 78% 77% 930.6 963.3 June'21 June'22 Mar'22 773.4 201.1 218.9 134.3 CASA (%) 327.6 343.6 42.9% 43.2% 307.1 41.6% 358.2 346.2 June'21 June'22 Mar'22 297.1 34.9 43.7 54.6 Average SA Balance Per Customer (₹ in 000’) June
Slide 18: Financial Performance
Financial Performance Total income (₹ in Billion) Operating Profit (₹ in Billion) Net interest Income Other Income Total Income 25.2 35.0 19.6 18.2 28.4 9.6 27.3 3.3 6.2 Q1 FY 22 Q1 FY 23 Q4 FY 22 PAT (₹ in Billion) 25.1 25.4 21.1 19.0 8.9 3.7 Q1 FY 22 Q1 FY 23 Q4 FY 22 Q1 FY 22 Q1 FY 23 Q4 FY 22 18
Slide 19: Financial Performance
Financial Performance Capital Adequacy Ratio (CRAR) NIM (Annualized) Tier I Tier II Total 8.5% 8.0% 8.7% 24.8% 19.4% 20.1% 1.0% 1.2% 1.2% 23.8% 18.3% 18.9% Jun'21 Jun'22 Mar'22 Q1 FY 22 Q1 FY 23 Q4 FY 22 CRAR including Profits of Q1 FY 23 stands at 20.4% as at Jun’22 Spread (Annualized) Yield Cost o
Slide 20: Financial Performance
Financial Performance ROAA & ROAE (Annualized) Operating expenses to Average Assets (Annualized) ROAA ROAE 2.9% 3.1% 2.8% 20% 9% 1.3% 2.5% Q1 FY 22 Q1 FY 23 Q1 FY 22 Q1 FY 23 Q4 FY 22 Cost to Income Ratio 36.0% 29.3% 28.0% Q1 FY 22 Q1 FY 23 Q4 FY 22
Slide 21: Financial Performance
Financial Performance Segmental GNPA movement - (₹ in Billion) Gross NPA and Net NPA Gross NPA (%) Net NPA 7.3% 69.6 6.5% 0.2 63.8 7.4 1.7% 1.9% 0.2 7.1 8.7 Retail Mar'22 Jun'22 8.0 CB Housing Credit Cost EEB 53.3 48.5 7.2% 2.7% 0.0% Jun'22 Mar'22 Q1 FY 22 Q1 FY 23 Q4 FY 22 21
Slide 22: Profit & Loss Statement (IN ₹ Bn.)
Profit & Loss Statement (IN ₹ Bn.) Particulars Q1 FY 23 Q4 FY 22 QoQ% Q1 FY 22 YoY% Interest Income 40.55 38.72 4.73% 34.1 18.91% Interest expenses 15.41 13.32 15.69% 12.96 18.91% Net Int. Income (NII) 25.14 25.4 -1.02% 21.14 18.92% Non Interest Income 3.3 9.64 -65.77% 6.17 -46.51% Total Income 28.4
Slide 23: Balance Sheet (IN ₹Billion)
Balance Sheet (IN ₹Billion) As at As at Particulars % Change 30th Jun 2022 31st Mar 2022 Capital & Liabilities Capital 16.11 16.11 0.00% Reserves & Surplus 166.59 157.70 5.64% Shareholder Funds 182.70 173.81 5.11% Deposits 930.57 963.31 -3.40% Borrowings 245.44 199.21 23.21% Other liabilities and pr
Slide 24: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) [ICRA]AA (Negative) ICRA Non-Convertible Debenture # 15.60** 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 25: Our Board & Management
Our Board & Management 25
Slide 26: Management Team
Experienced and professional team… Chandra Shekhar Ghosh Arvind Singla MD & CEO Head-Operations & Technology Founder of BFSL, has 30 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 27: Management Team
Experienced and professional team… Indranil Banerjee Suresh Srinivasan Iyer Company Secretary Head-Housing Finance 20+ years experience in financial industry 23+ years experience in financial industry. Previously served as Company Secretary at Energy Development Previously served as critical
Slide 28: … 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 (Independent) Chairman MD & CEO Independent Director - Economist with Ph.D from University of - Has more than 30 years of experience in - Former Director of Institute
Slide 29: 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 30: 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 31: 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 32: Awards and accolades
Awards and accolades FE Pillar of BFSI Industry Mr. Chandra Shekhar Ghosh, Managing Director & Chief Executive Officer, was awarded with the prestigious title 'FE Pillar of the BFSI Industry' on June 17, 2022 at the first chapter of FE Modern BFSI Summit. The award recognises his exemplary contribut
Slide 33: Thank You
Thank You Investor.relations@bandhanbank.com 33