Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q3 FY2021-22 Earnings Presentation
33 slides from Bandhan Bank's earnings presentation, January 2022
Slide 1: Investor Presentation Q3 FY2021-22
Investor Presentation Q3 FY2021-22 January 2022 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 Q3 FY 2021-22 Loan portfolio (on book + off book + TLTRO + PTC) for Q3 FY 21-22 grew 7.8% Q-o-Q & Total Deposits ₹ 845 bn 9.6% Y-o-Y Total Loans and Deposits grew by 18.7% Y-o-Y in Q3 FY 21-22; Retail Deposit to Total Deposit at 84.5%
Slide 5: EEB Collection Efficiency
EEB Collection Efficiency Collection Efficiency for the month Collection Efficiency for the quarter Sep'21 Dec'21 Q2 FY 22 Q3 FY 22 160% 154% 129% 111% 86% 92% 93% 97% 81% 91% 88% 96% Including NPA Excluding NPA Including arrears Including NPA Excluding NPA Including Arrears Excluding Arrears Exclud
Slide 6: EEB NPA and Restructured customer payment pattern analysis for Q3 FY 22
EEB NPA and Restructured customer payment pattern analysis for Q3 FY 22 NPA customers payment pattern Restructured customers payment pattern 61% 66% 39% 34% Paying Non Paying Paying Non Paying Share of non Share of non States States paying customers paying customers Assam 26% Assam 34% Rest of India
Slide 7: EEB DPD movement
EEB DPD movement Rest of India 1-30 days 31-60 Days Assam 11.1% 7.1% West Bengal 10.1% 5.2% 5.3% 2.9% 10.0% 8.7% 4.6% 2.3% 4.6% 3.1% 12.4% 8.7% 6.3% 3.5% Sep'21 Dec'21 Sep'21 Dec'21 61-90 Days NPA 13.6% 13.7% 2.5% 2.9% 6.5% 7.4% 1.9% 24.3% 23.4% 2.7% 5.7% 4.5% 17.8% 18.2% 1.8% 3.2% Sep'21 Dec'21 Sep
Slide 8: EEB stress pool coverage analysis Sep’21 Dec’21
EEB stress pool coverage analysis All amount in ₹ Bn. Sep’21 EEB Stress Pool - ₹ 195 Bn. Coverage Amount 73.3 Provision 95.5 69.2 Estimated recovery till 31st March 60 2022 # 38.6 CGFMU recovery 30 13.5 Assam Relief Scheme* xx NPA Restructured SMA 2 SMA 1 Total 185.5 Dec’21 EEB Stress Pool - ₹ 170 B
Slide 9: Restructured portfolio position
Restructured portfolio position All amount in ₹ Bn. Exposure at the time of restructuring - Exposure as on Dec’21 – ₹ 90.3 Bn. ₹ 66.0 Bn. 75.4 57.8 12.7 6.2 2.2 2.0 EEB Commercial Banking Housing EEB Commercial Banking Housing Despite portfolio under moratorium (Restructuring), Exposure has reduced
Slide 10: Strong traction outside EEB Group loans with a target to diversify the asset book
Strong traction outside EEB Group loans with a target to diversify the asset book All amount in ₹ Bn. Disbursement Advances 105.2 425.4 2.2 11.3 353.9 22.2 334.4 10.2 11.2 209.4 18.6 50.1 194.9 193.6 1.6 9.8 83.7 12 62.2 13.5 71.1 66.7 1 26.7 121 5.1 77.7 1.5 62.9 5.9 Q1 FY 22 Q2 FY 22 Q3 FY 22 Jun'
Slide 11: Bank on track to achieve the diversification goal as per stated strategy for FY 25
Bank on track to achieve the diversification goal as per stated strategy for FY 25 Diversification Target as per strategy Plan 3% 2% 2% 1% 10% 9% 23% 24% 30% 16% 22% 86% 30% 59% 52% 30% FY 19 FY 21 Q3 FY 22 FY 25E EEB (Group Loans) COMMERCIAL BANKING HOUSING RETAIL ASSET Non Group Loans Note: EEB in
Slide 12: Business & Financial Overview
Business & Financial Overview 12
Slide 13: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population 5,626 Banking Outlets as on 31st Dec 2021* 5,618 5,197 9% Metro 1,176 36% 18% 1,168 Urban 1,107 37% Semi-Urban Rural *Basis original classification at the time of opening 4,090 4,450 4,450 Geographic Distri
Slide 14: Asset Book Mix
Asset Book Mix Total Advances (₹ in Billion) 880 Dec-21 802.6 816.6 23.8% EEB Group 83.7 11.3 71.1 9.5% 51.6% EEB Individual 66.8 7.9 10.2 Retail 13.8% 209.4 CB 197.4 194.9 1.3% Mortgages Sep'21 EEB Group 575.6 23.9% 530.5 540.4 EEB Individual 56.6% 9.5% Retail 8.7% CB 1.3% Mortgages Dec'20 Dec'21 S
Slide 15: Emerging Entrepreneurs Business (EEB)
Emerging Entrepreneurs Business (EEB) Emerging Entrepreneurs Asset Growth Number of Active Borrowers (Mn) (₹ in Billion) 575.6 540.4 11.9 530.5 11.7 11.3 121.1 52.6 77.7 Dec'20 Dec'21 Sep'21 EEB Loan Disbursement (₹ in Billion) 477.9 202.8 454.5 462.7 165.8 62.2 129.5 25.9 26.7 139.9 140.6 Dec'20 De
Slide 16: Housing Finance
Housing Finance Housing Asset Bifurcation (₹ in Billion) Customers Bifurcation – Dec’21 0.3% 197.4 209.4 194.9 3.4 5.2 3.9 26.4 29.5 23.3 42.2% 57.5% 162.7 179.6 167.7 Dec'20 Dec'21 Sep'21 Salaried Self Employed Professionals Housing LAP Construction Housing Asset Segment wise (in %) Housing Asset D
Slide 17: Commercial Banking (CB) & Retail Assets
Commercial Banking (CB) & Retail Assets Product wise CB Assets (₹ in Billion ) SME & NBFC Others Growth NBFC-Others SME 83.7 66.8 71.1 Q-o-Q YoY 51.4 38.1 44.2 12% 55% 9.7 15.1 13.4 19.0 16% 35% 17.2 13.5 Dec'20 Dec'21 Sep'21 NBFC -MFI NBFC-Others SME Product wise Retail Assets (₹ in Billion ) CB &
Slide 18: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Retail to Total Deposits (%) 81% 85% 84% 845 819 711.9 130.6 Dec'20 Dec'21 Sep'21 131.1 135.2 CASA (%) 329.1 45.6% 322.4 44.6% 42.9% 271.5 Dec'20 Dec'21 Sep'21 346.2 329.8 270.3 Average SA Balance Per Customer (₹ in 000’) 39.1 35.7 General Banking E
Slide 19: Financial Performance
Financial Performance Total income (₹ in Billion) Operating Profit (₹ in Billion) Net interest Income Other Income Total Income 28.4 19.2 19.5 15.8 24.6 26.3 7.1 5.6 5.3 Q3 FY21 Q3 FY22 Q2 FY22 PAT (₹ in Billion) 6.3 8.6 20.7 21.3 19.3 -30.1 Q3 FY 21 Q3 FY 22 Q2 FY 22 Q3 FY21 Q3 FY22 Q2 FY22 19
Slide 20: Financial Performance
Financial Performance NIM (Annualized) Operating expenses to Average Assets (Annualized) 8.3% 7.8% 7.6% 2.9% 2.9% 2.6% Q3 FY21 Q3 FY22 Q2 FY22 Q3 FY21 Q3 FY22 Q2 FY22 Cost to Income Ratio 35.7% 31.3% 27.0% Q3 FY21 Q3 FY22 Q2 FY22 20
Slide 21: Financial Performance
Financial Performance Capital Adequacy Ratio (CRAR) Tier I Tier II Total 26.2% 20.0% 20.4% 4.8% 1.0% 1.0% 21.4% 19.0% 19.4% Dec'20 Dec'21 Sep'21 Spread (Annualized) Yield Cost of funds (Excl Cap.) Spread 13.3% 12.6% 12.4% 7.3% 7.4% 7.1% 6.0% 5.2% 5.3% Q3 FY21 Q3 FY22 Q2 FY22 21
Slide 22: Financial Performance
Financial Performance Segmental GNPA movement - (₹ in Billion) Gross NPA and Net NPA Gross NPA (%) Net NPA 87.6 94.4 10.82% 10.81% 0.2 0.2 7.0 6.8 8.2 3.04% 3.01% 7.3 Retail Sep'21 Dec'21 CB Housing EEB Credit Cost (Annualized) 79.0 73.3 28.1% 3.7% Sep'21 Dec'21 Sep'21 Dec'21 22
Slide 23: Profit & Loss Statement (IN ₹ Bn)
Profit & Loss Statement (IN ₹ Bn) Particulars Q3 FY 22 Q2 FY 22 QoQ% Q2 FY 21 YoY% Interest Income 34.09 31.81 7.17% 33.08 3.05% Interest expenses 12.84 12.46 3.05% 12.36 3.88% Net Int. Income (NII) 21.25 19.35 9.82% 20.72 2.56% Non Interest Income 7.12 5.27 35.10% 5.62 26.69% Total Income 28.37 24.
Slide 24: Balance Sheet (IN ₹Billion)
Balance Sheet (IN ₹Billion) As at As at Particulars % Change 31st Dec 2021 31st Mar 2021 Capital & Liabilities Capital 16.11 16.11 0.00% Reserves & Surplus 138.66 157.98 -12.23% Shareholder Funds 154.77 174.09 -11.10% Deposits 845.00 779.72 8.37% Borrowings 163.82 169.60 -3.41% Other liabilities and
Slide 25: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) [ICRA] AA; Negative ICRA Non-Convertible Debenture # 20.53** CRISIL AA/Negative CRISIL Term Loans From Bank ICRA]AA Negative ICRA 0.80 CRISIL A1+ CRISIL Certificate of Deposit 60.00* [ICRA] A1+
Slide 26: Our Board & Management
Our Board & Management 26
Slide 27: 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 28: Board of Directors
… backed by a strong independent Board 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 Development Southern Ca
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: Campaigns
Campaigns Home Loan Bandhan Bank introduced an attractive interest rate of 6.4% p.a. on Home Loans for customers who meet the criteria based on credit score and amount of loan sought. This was highlighted through a large-scale OOH campaign across 31 cities.
Slide 32: Campaigns
Campaigns Assam Brand Campaign Assam being an important market for the Bank, it hired Zubeen Garg as its brand ambassador in Assam. Zubeen is one of the most famous, respected and loved celebrity in the state. As a part of the campaign, the Bank released a music video with Zubeen that received wides
Slide 33: Thank You
Thank You Investor.relations@bandhanbank.com 33