Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q1 FY2018-19 Earnings Presentation
25 slides from Bandhan Bank's earnings presentation, July 2018
Slide 1: Investor Presentation – Q1 FY 2018-19
Investor Presentation – Q1 FY 2018-19 July 2018
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 2018) Loan portfolio (on book + off book) for Q1FY 18-19 grew 52.37% Y-o-Y Total Deposits ₹ 307.0 bn Deposits grew by 36.83% Y-o-Y in Q1 FY 18-19 Total loans Net NPA at 0.64% and advances ₹ 325.9 bn1 Retail Deposit to T
Slide 5: Geographical Distribution
Geographical Distribution 5
Slide 6: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population 4000 3700 3701 3284 Metro, 10% 3000 Rural, Urban, 2000 37% 19% 2444 2764 2764 1000 840 936 937 0 June 17' March 18' June 18' Branches DSCs Banking Outlets Semi-urban, 34% Multi channel distribution network
Slide 7: Geographical Distribution: Branch Mix State Wise
Geographical Distribution Branch Mix- State Wise Significant presence in under- penetrated East and North East India Banking Outlets as on 31st March 2018 West South North 10.00% 6.50% 7.10% East Central 52.70% 12.80% North East 10.90% In East & North East Regions, Bandhan Bank has the highest distr
Slide 8: Business Overview
Business Overview Bandhan Bank
Slide 9: Asset Overview
Asset Overview Advances Growth (₹ in Billion) Number of Active Borrowers (in Million) 325.9 323.4 8.08 7.83 213.89 6.8 June 17' June 18' March 18' June 17' June 18' March 18' Composition of Advances (in %) Higher PSL Portfolio 5% 90% 85% 86% 95% 10% 15% 14% June 17' June 18' March 18' Priority secto
Slide 10: Micro Banking Assets
Micro Banking Assets Micro Banking Asset Growth (₹ in Billion) Number of Active Micro Borrowers (in Mn) 279.7 276.5 7.95 193.2 7.70 June 17' June 18' March 18' Micro Loan Disbursements (₹ in Billion) 96.42 6.72 46.41 Q1 FY 18 Q1 FY 19 June 17' June 18' March 18' 10
Slide 11: Non-Micro Banking Assets
Non-Micro Banking Assets Product wise Disbursements – Non Micro Total Disbursement - Non Micro Banking Asset (₹ Advances (₹ in Billion) in Billion) Retail SME Small Enterprise Loan 6.61 4.15 2.47 Q1 FY 18 Q1 FY 19 Non Micro Banking Portfolio growth 1.83 (₹ in Billion ) 2.85 46.14 46.89 0.75 1.57 20.
Slide 12: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Number of Customers (in Million) Micro Banking General Banking 307.03 13.65 13.01 10.85 61.47 2.66 2.4 224.39 1.61 9.24 10.99 10.6 54.43 136.69 June 17' June 18' March 18' CASA (%) 110.87 35.5% 34.3% 26.3% 88.15 48.09 11.00 20.72 June 17' June 18' C
Slide 13: Liabilities Profile
Labilities Profile Retail to total Deposits (%) Moving towards a more stable and cheaper source of funding 75.7% 80.0% Deposits 71.9% 0% Borrowings 100% 23 Aug 2015 June 17' June 18' March 18' Borrowings Average SA Balance (₹ in 000’) 20% General Banking Micro Banking Deposits 80% March 2016 1.56 2.
Slide 14: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) CARE AA; Stable (Double A; CARE Ratings Unsecured Subordinated Non - Outlook: Stable) 1.60 Convertible Debenture* [ICRA]AA (Double A; ICRA Outlook: Stable) [ICRA]AA (Double A; Term Loans From Ba
Slide 15: Financial Overview
Financial Overview Bandhan Bank
Slide 16: Financial Performance
Financial Performance Total income (₹ in Billion) PAT (₹ in Billion) Net Interest Income Other Income Total Income 4.82 3.88 3.27 Q1 FY 18 Q1 FY 19 Q4 FY18 12.48 10.67 Operating expenses to Average Assets (%) 4.16% 3.98% 8.65 3.69% 2.11 2.03 1.22 10.37 8.64 7.43 Q1 FY18 Q1 FY19 Q4 FY18 Q1 FY 18 Q1 F
Slide 17: Financial Performance
Financial Performance ROAA & ROAE* Spread % ROAA ROAE Yield Cost of funds (Excl Cap.) Spread 28.1% 27.7% 16.7% 15.4% 19.9% 14.6% 9.6% 8.9% 8.4% 7.0% 6.5% 6.2% 4.4% 4.5% 4.1% Q1 FY18 Q1 FY19 Q4 FY18 Q1 FY18 Q1 FY19 Q4 FY18 Cost to Income Ratio Fee Income to Total Income Ratio 35.3% 34.3% 34.0% 11.9%
Slide 18: Financial Performance
Financial Performance Capital Adequacy Ratio NIM 10.8% Tier I Tier II Total 10.3% 32.61% 31.48% 26.12% 9.3% 1.18% 1.18% 1.55% 31.43% 30.30% 24.57% Q1 FY18 Q1 FY19 Q4 FY18 June 17' June 18' March 18' Gross NPA and Net NPA Credit Cost Credit Cost - NPA Credit Cost - Standard Gross NPA (%) Net NPA 1.26
Slide 19: Profit & Loss Statement (IN ₹ million)
Profit & Loss Statement (IN ₹ million) Particulars Q1 FY 19 Q1 FY 18 YoY% Q4 FY 18 Q0Q% Interest Income 15,562 11,534 34.93% 13,506 15.22% Interest expenses 5,190 4,099 26.63% 4,872 6.53% Net Int. Income (NII) 10,372 7,435 39.50% 8,634 20.13% Non Interest Income 2,107 1,220 72.75% 2,034 3.59% Total
Slide 20: Balance Sheet (IN ₹ Million)
Balance Sheet (IN ₹Million) Particulars As at As at As at th th YoY% st Q0Q% 30 June 2018 30 June 2017 31 March 2018 Capital & Liabilities Capital 11,928 10,951 8.92% 11,928 - Reserves & Surplus 86,709 36,779 135.76% 81,891 5.88% Shareholder Funds 98,637 47,730 106.65% 93,819 5.13% Deposits 307,030
Slide 21: Our Board & Management
Our Board & Management Bank
Slide 22: Management Team
Experienced and professional team… Chandra Shekhar Ghosh Rahul Johri MD & CEO Head, Retail Banking Founder of BFSL, has ~25 years of experience in the field of 23+ years of experience across multinational banks microfinance and development Previously worked as Head of Consumer Banking and memb
Slide 23: Board of Directors
… backed by a strong independent Board Chandra Shekhar Ghosh Harun Rashid Khan MD & CEO Chairman Has significant experience in the field of microfinance Retired as Deputy Governor of Reserve Bank of India Awarded ‘Outstanding Leadership Award’ by Dhaka University Instrumental in formulation
Slide 24: Awards and accolades
Awards and accolades MFIN Microfinance Award 2018 Bandhan Bank received the MFIN Microfinance Award 2018 – In Pursuit of Excellence’ in the following two categories: • Risk and Resilience Framework • Microfinance Plus Activities Shri Giriraj Singh, Minister of State for Micro, Small and Medium Enter
Slide 25: Thank You
Thank You Bandhan Bank