Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q2 FY2018-19 Earnings Presentation
27 slides from Bandhan Bank's earnings presentation, October 2018
Slide 1: Investor Presentation – Q2 FY 2018-19
Investor Presentation – Q2 FY 2018-19 October 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 (Q2 FY 18-19) Loan portfolio (on book + off book) for Q2FY 18-19 grew 50.94% Y-o-Y Total Deposits ₹ 329.6 307.0 bn Deposits grew by 29.6% Y-o-Y in Q2 FY 18-19 Total loans Net NPA at 0.69% and advances 325.9 bn1 ₹ 333.7 Retail Depo
Slide 5: Geographical Distribution
Geographical Distribution 5
Slide 6: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & underbanked population 5000 Metro, 3700 3948 4000 3410 10% 3000 Rural, Urban, 37% 18% 2000 2546 2764 3010 1000 864 936 938 0 Sept'17 March'18 Sept'18 Branches DSCs Banking Outlets Semi-urban, 35% Multi channel distribution networ
Slide 7: Geographical Distribution
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 8.47% 4.43% 5.70% Central East 16.17% 50.93% North East 14.30% In East & North East Regions, Bandhan Bank has the highest distri
Slide 8: Business Overview
Business Overview Bandhan Bank
Slide 9: Asset Overview
Asset Overview Advances* Growth (₹ in Billion) Number of Total Active Borrowers (in Million) 333.73 8.33 6.93 221.11 Sep'17 Sep'18 Sep'17 Sep'18 Composition of Advances (in %) Higher PSL Portfolio 4% 89% 86% 96% 11% 14% Sep'17 Sep'18 Priority sector advances (as a % of advances) – Q2 FY2018 Non-Micr
Slide 10: Micro Banking Assets
Micro Banking Assets Micro Banking Asset* Growth (₹ in Billion) Number of Active Micro Borrowers (in Mn) 289.74 8.19 196.7 Sep'17 Sep'18 Micro Loan Disbursements (₹ in Billion) 204.88 6.84 118.60 Q2 FY 18 Q2 FY 19 Sep'17 Sep'18 10 *On Book + Off Book
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 13.79 9.48 4.22 Q2 FY 18 Q2 FY 19 3.20 Non Micro Banking Portfolio growth 4.07 (₹ in Billion ) 43.99 3.37 5.51 24.41 2.
Slide 12: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Number of Customers (in Million) Micro Banking General Banking 329.59 14.41 60.58 11.34 254.42 2.94 1.87 9.47 11.47 60.81 147.25 Sep'17 Sep'18 CASA (%) 121.91 36.9% 28.2% 100.71 58.82 12.88 21.05 Sep'17 Sep'18 Current Savings TD Retail TD Others Sep
Slide 13: Liabilities Profile
Liabilities Profile Retail to total Deposits (%) Moving towards a more stable and cheaper source of funding 76.1% 81.6% Deposits 0% Borrowings 100% 23 Aug 2015 Sep'17 Sep'18 Borrowings Average SA Balance (₹ in 000’) 20% General Banking Micro Banking Deposits 80% March 2016 1.73 1.39 Borrowings 34.93
Slide 14: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) CARE AA-; Stable (Double A Minus; CARE Ratings Unsecured Subordinated Non - Outlook: Stable) 1.60 Convertible Debenture* [ICRA]AA (Double A; ICRA Outlook: Stable) [ICRA]AA (Double A; Term Loans
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 9.69 6.58 4.88 3.31 25.56 Q2 FY 18 Q2 FY 19 H1 FY18 H1 FY19 Operating expenses to Average Assets (%) 17.82 4.1% 4.1% 3.9% 3.9% 4.41 13.08 3.45 9.16 2.3 21.15 2.23 14.37 10.78 6.93 Q2 FY
Slide 17: Financial Performance
Financial Performance ROAA & ROAE* Spread % ROAA ROAE Yield Cost of funds (Excl Cap.) Spread 26.4% 27.2% 19.6% 15.1% 15.3% 15.8% 15.3% 19.3% 8.3% 9.0% 9.0% 8.9% 6.7% 6.3% 6.9% 6.4% 4.2% 4.3% 4.3% 4.4% Q2 FY18 Q2 FY19 H1 FY18 H1 FY19 Q2 FY18 Q2 FY19 H1 FY18 H1 FY19 Cost to Income Ratio Fee Income to
Slide 18: Financial Performance
Financial Performance Capital Adequacy Ratio NIM Tier I Tier II Total 10.3% 10.3% 10.0% 32.6% 26.3% 9.3% 1.1% 1.4% 31.5% 24.9% Q2 FY18 Q2 FY19 H1 FY18 H1 FY19 Sep'17 Sep'18 Gross NPA and Net NPA Credit Cost Credit Cost - NPA Credit Cost - Standard Gross NPA (%) Net NPA 1.4% 1.3% 1.6% 1.5% 0.8% 0.7%
Slide 19: Profit & Loss Statement (IN ₹ million)
Profit & Loss Statement (IN ₹ million) Particulars Q2 FY 19 Q2 FY 18 YoY% Q1 FY 18 Q0Q% H1 FY 19 H1 FY18 YoY% Interest Income 16,057 11,201 43.4% 15,562 3.2% 31,618 22,735 39.1% Interest expenses 5,282 4,266 23.8% 5,190 1.8% 10,472 8,364 25.2% Net Int. Income (NII) 10,775 6,935 55.4% 10,372 3.9% 21,
Slide 20: Balance Sheet (IN ₹Million)
Balance Sheet (IN ₹Million) Particulars As at As at th th YoY% 30 Sep 2018 30 Sep 2017 Capital & Liabilities Capital 11,928 10951 8.9% Reserves & Surplus 90,147 40090 124.9% Shareholder Funds 1,02,075 51,041 100.0% Deposits 3,29,589 254422 29.5% Borrowings 14,218 8058 76.4% Other liabilities and pro
Slide 21: Our Board & Management
Our Board & Management Bank
Slide 22: Management Team
Experienced and professional team… Chandra Shekhar Ghosh Mahendra Mohan Gupta MD & CEO Head, Legal Founder of BFSL, has 26 years of experience in the field of 33+ years experience in the legal, finance and banking industry microfinance and development Previously worked as DGM- Legal at ICICI B
Slide 23: Board of Directors
… backed by a strong independent Board Chandra Shekhar Ghosh Harun Rashid Khan MD & CEO Director 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: Bandhan Group structure & shareholding
Bandhan Group structure & shareholding North East Bandhan Financial Financial Employees Caladium IFC IFC FIG SIDBI Others Inclusion Trust Inclusion Trust Welfare Trust 32.91% 7.82% 14.61% 16.70% 13.59% 2.85% 8.13% 3.39% 1.77% 0.95% 0.29% 4.58% Bandhan Financial Services Ltd (BFSL) 100.00% 10.01% Ban
Slide 25: Awards and accolades
Awards and accolades Entrepreneur with Social Impact Bandhan Bank won the ‘Entrepreneur with Social Impact’ Award at the first edition of the CNBC-AWAAZ CEO Awards 2018 presented by the Chhattisgarh Government. The ceremony was held in Raipur on July 07, 2018. The event was graced by Honourable Chie
Slide 26: 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: 1. Risk and Resilience Framework 2. Microfinance Plus Activities Shri Giriraj Singh, Minister of State for Micro, Small and Medium Ent
Slide 27: Thank You
Thank You Bandhan Bank