Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Investor Day (December 2022)
92 slides from Bandhan Bank's investor day presentation, Dec 1, 2022
Slide 1: Exchange disclosure cover letter
Ref. No.: BBL/280/2022-23 December 01, 2022 BSE Limited National Stock Exchange of India Limited Dept. of Corporate Services The Listing Department Phiroze Jeejeebhoy Towers, Exchange Plaza, Dalal Street, Fort, Bandra Kurla Complex, Mumbai – 400001 Mumbai – 400051 BSE Scrip Code: 541153 NSE Symbol:
Slide 2: Details of sell-side analysts who attended Analyst Day 2022
Details of sell-side analysts who attended the Bank’s ‘Analyst Day 2022’ Date Thursday, December 01, 2022 Place Mumbai Sr. No. Institution Name 1. Ambit Capital 2. Anand Rathi Institutional Equity 3. Antique Stock Broking Ltd 4. Arihant Capital 5. Axis Capital Ltd 6. Batlivala & Karani Securities In
Slide 3: Overview and Strategy of the Bank
Overview and Strategy of the Bank Analyst Day Presentation Dec 1, 2022 | Mumbai
Slide 4: Bank's strategic priorities
Bank’s strategic priorities Portfolio Geographical Focus on diversification diversification granular deposits Reduction in share of Stronger expansion Focus on building a group loans and increase beyond East and robust and granular retail in share of commercial North East India deposit franchise and
Slide 5: Key parameters at a glance
Key parameters at a glance Overall Business Operational Growth in Profitability Key Numbers Snapshot Key Business Verticals Customers Loans and Advances Microfinance + SBAL Net Interest Margin 27.7 mn Rs.958.3 bn 12.3% YoY* 7.0% 17.4% YoY Banking Outlets Housing 5,646 Deposits Cost of Funds 32.4% Yo
Slide 6: Focus on diversification of assets portfolio
Focus on diversification of assets portfolio… 1% 2% 6% 12% 31% 26% 38% 27% 30% 61% 40% 26% FY20 H1FY23 FY25 (P) Microfinance Housing Finance Commercial Banking Retail Finance
Slide 7: Steady reduction in geographical concentration
…with steady reduction in geographical concentration, and… 39% 48% 60% 61% 52% 40% FY20 H1 FY23 FY25 (P) West Bengal & Assam Others Note: Data reflect microfinance and small business and agri loans (SBAL)
Slide 8: Towards a book with more secured assets
…towards a book with more secured assets 54% 65% 62% 46% 35% 38% FY20 H1FY23 FY25 (P) Secured % Unsecured %
Slide 9: Liabilities – Share of retail deposits remain high
Liabilities – Share of retail deposits remain high 78% 80% 74% FY20 H1FY23 FY25(P)
Slide 10: IT and digital transformation – A key enabler
IT and digital transformation – A key enabler Complete change of end-state-architecture, implementing state of the art technology and best of the breed application products Investment in end to end digitization of information and automation of processes Adoption of advanced analytics to provid
Slide 11: Thank you
Thank you
Slide 12: Banking Unit Channel
Banking Unit Channel Analyst Day Presentation Dec 1, 2022 | Mumbai
Slide 13: How it all started… How it is going… Where we are heading…
How it all started… How it is going… Where we are heading…
Slide 14: The Journey
The Journey 1990 It all started when Mr. Chandra Shekhar 2015 Ghosh observed the plight of Kolkata’s Bandhan became the small-time traders. To 2006 first microfinance grow their businesses, company to get they had no option Bandhan acquired an Universal Banking except high-interest NBFC and establis
Slide 15: What makes us different
What makes us different Strength Beyond Banking One of the lowest interest rates in the industry Targeting the Hardcore Poor Program Smaller working radius for better connect Education Programme Robust IT for digitization through TAB Health Programme Flexibility in repayment – Weekly,
Slide 16: How it all started… How it is going… Where we are heading…
How it all started… How it is going… Where we are heading…
Slide 17: Market trend
Market trend Positive trends in the Microfinance Industry: bouncing back from COVID related disruptions Quarter Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Gross Portfolio 2,318 2,277 2,318 2,326 2,594 2,374 2,437 2,561 2,854 2,932 (Rs bn) Growth for 10% -2% 2% 0% 11% -8% 3
Slide 18: Geographical Diversification
Geographical Diversification Market Share of Microfinance loans 52 % 65 % 11 % 15 % 9% 11 % 10 % 2% 1% 46.5% 45.0% Mar'20 Mar'21 Mar'22 Sep'22 % SHARE OF BANKING UNIT PORTFOLIO 40.2% 37.6% 14.9% 12.0% 11.9% 11.2% 10.3% 10.3% 9.7% 9.4% 8.6% 8.1% 6.1% 5.0% 4.8% 4.4% 4.4% 4.4% 4.0% 3.9% 3.4% 3.4% 3.2%
Slide 19: Bank's Trend: Group Loan and SBAL
Bank’s Trend Group Loan SBAL Particulars Mar-22 Jun-22 Sep-22 Mar-22 Jun-22 Sep-22 AUM (Rs. Bn) 465 429 382 159 152 157 Borrowers (mn) 11.0 11.0 11.1 1.6 1.7 1.9 Avg. AUM (Rs ‘000) per borrower 42 39 35 99 89 83 GNPA (Rs bn) 44 49 45 4 5 6 NNPA (Rs bn) 9.2 10.0 7.6 0.7 0.9 1.5 GNPA 10% 11% 12% 3% 3%
Slide 20: Asset Quality: Collection
Asset Quality: Collection COLLECTION EFFICIENCY (EXCLUDING NPA PORTFOLIO) 96% 95% 94% JUN'22 SEP'22 OCT'22 Payment profile of Borrowers (Excluding NPA Portfolio) % Receivable % AUM Payment Profile Payment %age Jun'22 Sep'22 Oct’22 Jun'22 Sep'22 Oct’22 NOT PAID 3% 3% 1% NOT PAID 6% 5% 2% Upto 25% 1%
Slide 21: Asset Quality: Delinquency and Provisioning
Asset Quality: Delinquency and Provisioning All amounts are in Rs bn Actual Projection Particulars Mar'22 Jun'22 Sep'22 Dec’22 Mar’23 31 to 90 DPD (A) 22 47 44 24 17 Restructured a/c (B) 49 21 0 0 0 NPA (C) 49 53 51 78** 80** Total Stress portfolio (A + B + C) 119 121 95 102 97 Total Provisions 70 7
Slide 22: How it all started… How it is going… Where we are heading…
How it all started… How it is going… Where we are heading…
Slide 23: Strategies and Initiatives
Strategies and Initiatives Sourcing Strategies 1. Graduating the mature customers from Group to Small Business and Agri Loans (SBAL) 2. Focussing on SBAL for loans to NTB customers 3. Focussing on Group Loans (GL) for New to Bank (NTB) customers Diversification Strategy 1. Continuous focus to divers
Slide 24: Thank You
Thank You
Slide 25: Housing Finance
Housing Finance Analyst Day Presentation Dec 1, 2022 | Mumbai
Slide 26: Mortgage Business – an introduction
MORTGAGE BUSINESS - anintroduction 240B 0.3M Book Customers 1.8 M 10.80% Average ticket size Portfolio Yield (New Loans)
Slide 27: Agenda
AGENDA SLIDE R E D E F I N I N G S O L U T I O N S K E E P I N G C U S TO M E R S AT T H E C O R E O F D E C I S I O N M A K I N G HOUSING INDUSTRY 1 Rs 25 Trillion Industry (Rs 3 Trillion over LY), has seen consistent growth of 15% CAGR over last 6 years. Demand for mid-size houses continue to rise
Slide 28: Agenda
AGENDA SLIDE R E D E F I N I N G S O L U T I O N S K E E P I N G C U S TO M E R S AT T H E C O R E O F D E C I S I O N M A K I N G HOUSING INDUSTRY 1 Rs 25 Trillion Industry (Rs 3 Trillion over LY), has seen consistent growth of 15% CAGR over last 6 years. Demand for mid-size houses continue to rise
Slide 29: Housing Industry
Housing Industry ROBUST DISBURSAL GROWTH AND NEW PROJECT LAUNCHES SEEN IN FY 22 A Housing Industry likely to grow B Mortgage penetration is low at C 3A – Availability, D Surge in disbursements of E GNPA down to 3.4% (March at 17-20% 11% with Rural-Semi Urban Affordability & Awareness 29% in FY 22 wi
Slide 30: Agenda
AGENDA SLIDE R E D E F I N I N G S O L U T I O N S K E E P I N G C U S TO M E R S AT T H E C O R E O F D E C I S I O N M A K I N G HOUSING INDUSTRY 1 Rs 25 Trillion Industry (Rs 3 Trillion over LY), has seen consistent growth of 15% CAGR over last 6 years. Demand for mid-size houses continue to rise
Slide 31: Key Performance Indicators
KEY PERFORMANCE INDICATORS Loan Book Growth rates 25 Pre Merger Post Merger Post Merger - Disbursement growth FY 22 Pre Covid Covid period Post Covid - Industry 29% 20 - Bandhan 43% 15 - Book Growth in FY 22 - Industry 11% 10 - Bandhan 11% 5 - Bandhan book likely to grow at upwards of 25% in FY 23 0
Slide 32: Book Growth and Yield – How it has shaped up
BOOK GROWTH AND YIELD – HOW IT HAS SHAPED UP Loan Book Growth Movement of Yield on Combined Loan Book Rs. crore In % 10.85 25000 24168 11.00 10.80 10.59 10.60 23000 10.40 10.20 10.00 21000 9.80 19519 9.60 9.40 19000 9.20 9.00 17000 15000 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Oct-22 TOTAL
Slide 33: GNPA – How it has shaped up
GNPA – HOW IT HAS SHAPED UP Movement in NPA excluding Restructured Pool Movement of NPA in Restructured pool 10.00 In % 25.00 In % 9.00 19.61 8.00 6.90 20.00 7.00 6.09 6.00 15.00 5.00 3.76 3.79 4.00 10.00 3.00 1.73 1.43 2.00 5.00 1.00 0.80 0.00 0.00 Mar-21 Jun-21 Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 O
Slide 34: Agenda
AGENDA SLIDE R E D E F I N I N G S O L U T I O N S K E E P I N G C U S TO M E R S AT T H E C O R E O F D E C I S I O N M A K I N G HOUSING INDUSTRY 1 Rs 25 Trillion Industry (Rs 3 Trillion over LY), has seen consistent growth of 15% CAGR over last 6 years. Demand for mid-size houses continue to rise
Slide 35: Future Pillars of Growth
FUTURE PILLARS OF GROWTH W E B R O K E D O W N O U R F U T U R E G R O W T H S T R AT E G Y I N TO 4 D I S T I N C T P I L L A R S EXPAND MARKET REACH Expand market reach to cater to larger cross-section of clients and use the hub- spoke delivery model to improve workflows. Leverage Branch channels
Slide 36: Future Pillars of Growth: Expand Market Reach
FUTURE PILLARS OF GROWTH We b r o ke d o w n o u r f u t u r e g r o w t h s t r a t e g y i n t o 4 d i s t i n c t p i l l a r s EXPAND MARKET REACH Expand market reach to cater to larger cross-section of clients and use the hub- spoke delivery model to improve workflows. Leverage Branch channels
Slide 37: Future Pillars of Growth: Enhance Customer Value Proposition
FUTURE PILLARS OF GROWTH We b r o ke d o w n o u r f u t u r e g r o w t h s t r a t e g y i n t o 4 d i s t i n c t p i l l a r s ENHANCE CUSTOMER VALUE PROPOSITION Define target clients and enhance Value propositions addressing their needs. Introduce segments like Construction Finance, Prime for A
Slide 38: Future Pillars of Growth: Evolve Platforms
FUTURE PILLARS OF GROWTH We b r o ke d o w n o u r f u t u r e g r o w t h s t r a t e g y i n t o 4 d i s t i n c t p i l l a r s EVOLVE PLATFORMS Invest in platforms for simplified Loan On-boarding. Leverage Data & Credit Analytics to identify Good Credit, build out Score Card based pricing models
Slide 39: Future Pillars of Growth: Engage Partnerships
FUTURE PILLARS OF GROWTH We b r o ke d o w n o u r f u t u r e g r o w t h s t r a t e g y i n t o 4 d i s t i n c t p i l l a r s ENGAGE PARTNERSHIPS Work with the Partner Ecosystem like Digital Aggregators, Marketplace, NBFCs, Builders for Quality Sourcing, enhanced offerings • Partner with all St
Slide 40: Future Pillars of Growth: Risk Management
FUTURE PILLARS OF GROWTH Risk Management - Assessment & Monitoring Multiple filters at origination – Multi point check of PD, Ref 1. 2. 3. Policy and Process review at CIR check, Hunter, Dedupe, check, Emp check, FCU, CPV, regular intervals Identity check Document check Ongoing analysis of Bureau 4.
Slide 41: Thank you
Thank you
Slide 42: Commercial Banking
Commercial Banking Analyst Day Presentation Dec 1, 2022 | Mumbai
Slide 43: Leadership Team
Leadership Team Suresh Chandran Head - Commercial Banking 27+ years of experience in financial services sector. Prior to Bandhan, held multiple roles in IndusInd, Kotak, HDFC, LICHFL in various capacities Head - Institutional Lending ` SME Head - SEL 25+ years of experience in Institutional With Ban
Slide 44: Product Offering
Product Offering Ticket Range 150 – Lends to NBFC’s including Micro Finance Institutions Institutional Lending 5,000 mn (MFI’s) for on-lending activities Secured Working Capital, Term Loan, LC and Bank MMG 50 - 1,000 mn Guarantee to Medium-sized Enterprises with Annual Turnover ranging 250 - 10,000
Slide 45: Commercial Banking - Overall
Commercial Banking - Overall Portfolio Performance (INR million) GNPA (%) 1,39,528 9.6% 1,17,198 1,20,907 6.1% 6.1% 5.6% 71,104 4.4% Overall 2.9% 3.0% 2.9% Ex. IL&FS Sep-21 Mar-22 Jun-22 Sep-22 Sep-21 Mar-22 Jun-22 Sep-22 Overall GNPA includes 3,850 mn of IL&FS Overall CB portfolio witnessed a robus
Slide 46: Institutional Lending
Institutional Lending 5
Slide 47: Institutional Lending - Strategy
Institutional Lending - Strategy Focus on lending to Institutions which offer diversification opportunity from Bandhan’s Acquisition Credit growth perspective; 100% of sourcing is Lend to Institutions with high External Rating through dedicated RM’s Credit Rating; 92% of the exposure as on Sep-22 ha
Slide 48: Institutional Lending - Portfolio
Institutional Lending - Portfolio Portfolio Performance (INR million) Geographical Presence 62,048 52,434 49,988 26,900 25% 11% 29% 35% Sep-21 Mar-22 Jun-22 Sep-22 No Presence Overall portfolio witnessed a robust growth of 89% of the overall portfolio is from the region 131% YoY and 18% QoQ other th
Slide 49: Institutional Lending - Way Forward
Institutional Lending - Way Forward NBFC MFI NBFC Non-MFI MUTUAL FUND INSTITUTIONS HFC CAPITAL MARKET SECTOR-SPECIFIC INSTITUTIONS (Educational, Healthcare, etc.) FY’ 16 FY’ 23 FY’ 25 TERM LOAN NCD CO-LENDING OFFERING WORKING CAPITAL SECURITIZATION TRANSACTION BANKING BANK
Slide 50: Small & Medium Enterprises (SME)
Small & Medium Enterprises (SME) 9
Slide 51: Small Medium Enterprises - Overview
Small Medium Enterprises - Overview PRODUCT OFFERING SOURCING STRATEGY UNDERWRITING Provides secured credit facilities of Focus on good rated clients with Proposals are vetted through 2- above INR 2.5 mn for financing sustainable cash flows way process; Underwriting & Risk business activities
Slide 52: Small Medium Enterprises - Portfolio
Small Medium Enterprises - Portfolio Portfolio Performance (INR million) Geographical Presence 29,960 22,532 23,425 16,400 18% 31% 31% 20% Sep-21 Mar-22 Jun-22 Sep-22 No Presence Fund-based portfolio of SME segment Well diversified portfolio with presence across witnessed a growth of 83% YoY and 28%
Slide 53: Small Medium Enterprises - Way Forward
Small Medium Enterprises - Way Forward PRODUCT EXPANSION GEOGRAPHIC PRESENCE DIGITALIZATION Expanding product offering through: Expand geographical presence Digitalize channels and Focus on key PLI sectors, like to 150 branches in regions processes to address the Food Processing, Pharma, Auto
Slide 54: Small Enterprises Loan (SEL)
Small Enterprises Loan (SEL) 13
Slide 55: Small Enterprises Loan - Overview
Small Enterprises Loan - Overview Introduced in Apr-16, to help 100% of loans are sourced Minimum CIBIL score of over 650 Strong customer base of over small enterprises upscale their through dedicated team of 1,00,000; All the customers are Ticket Size: Upto 2.5 million business Relationsh
Slide 56: Small Enterprises Loan - Portfolio
Small Enterprises Loan - Portfolio Portfolio Performance (INR million) 47,520 44,678 45,048 27,804 Sep-21 Mar-22 Jun-22 Sep-22 SEL portfolio witnessed a growth of 71% YoY and 5% QoQ
Slide 57: Small Enterprises Loan – Way Forward
Small Enterprises Loan – Way Forward 3 2 4 1 On-boarding of outside agency for Tie-ups with online 5 Introduction of Small- recovery of 30+ loan aggregators Introduction of Secured ticket LAP product bucket for wider customer Digitalize the Overdraft product; reach complete Customer expected by Q3 F
Slide 58: Risk Management - Credit Framework
Risk Management - Credit Framework A B C Sourcing Focus on acquiring customers Defined pre-screening guidelines All proposals are subject to a (1st Line of Defense) with sustainable cash flows in to enhance filtration process and scoring process (Scorecard / non-cautious sectors acquisition quality
Slide 59: Risk Management - Assessment & Monitoring
Risk Management - Assessment & Monitoring Control reports of all the Multivariate Dashboards Automated EWS alerts, 1. based on more than 50 alerts / signals 2. loans sanctioned are placed to one step higher sanctioning authority 3. & MIS to ascertain portfolio quality and market risk Analysis of Bur
Slide 60: Continue the growth momentum in an inclusive and sustainable manner
Continue the growth momentum in an inclusive and sustainable manner… 4 3 Way Forward.. Emerged Commercial Banking 2 2022 (SME, SEL, Institutional, Offer gamut of products through Transaction Banking, Forex) as one of the main contributor in 1 1,190 branches; like Microfinance, Bank’s next phase of g
Slide 61: Thank you
THANK YOU 20
Slide 62: Retail Assets
Retail Assets Analyst Day Presentation Dec 1, 2022 | Mumbai
Slide 63: Index
Index Retail Assets Journey Book Growth Organizational Structure Sourcing Strategy Risk Assessment & Controls Risk Management Framework Collection Strategy
Slide 64: Product Offerings
Product Offerings Commercial Vehicle & Gold Loan Commercial Equipment Loan / Overdraft against Personal Loan Term Deposit Car Loan Two Wheeler Loan (New & Used Car)
Slide 65: Retail Assets Journey so far
Retail Assets Journey so far… Gold Loan Two-Wheeler Loan CV/CE Loan Jan-17 Apr-21 Oct-22 Sep-20 Aug-21 Nov-22 Personal Loan New Car Loan Used Car Loan
Slide 66: Book Growth
Book Growth Figures in INR million 21,616 18,097 16,592 6,959 6,666 8 1,391 7,585 1,959 10,150 931 499 1,302 4,597 748 5,592 20 3,934 2,730 1,173 110 4,250 5,030 5,264 5,707 Sep-21 Mar-22 Jun-22 Sep-22 GL PL 2-W Car CVCE LATD Retail Assets currently contributes 2% of Bank’s Total Advances; expected
Slide 67: Organizational Structure
Organizational Structure Head – Retail Assets - 25+ years experience in core Retail Asset, Liability & Branch Banking and SME - Past experience in ICICI, HDFC & SCB Bank Gold Loan Pre-NPA Personal Loan Car Loan Two-Wheeler Loan CV/CE LATD/ OATD Collections - 23+ years exp. - 20+ years exp. - 22+ yea
Slide 68: Sourcing Strategy
Sourcing Strategy Expanding footprint 27.7mn existing customer Upscaling Channel tie- Location expansion & Balanced approach for across the country; from base, Deeper penetration ups, Alliances with OEM’s opening of spoke each asset segment i.e. 430 branches currently to across 1,190 branc
Slide 69: Risk Assessment & Controls
Risk Assessment & Controls Risk Risk Risk Risk Identification Assessment Control Monitor Early Warning systems Dedicated team to Proactive Portfolio Regulatory / Legal are in place analyze the various risk Monitoring Compliance Analysis of Bureau data Internal Credit Rating to understand customer Ca
Slide 70: Risk Management Framework
Risk Management Framework Policy Controls Digital Controls Maximum focus on Quality customer affluent customer sourcing with higher base like SEP and bureau score and Cat A,B salaried for clean credit history unsecured Integrations for Rule based BRE for decisioning and verification through future t
Slide 71: Collection Strategy
Collection Strategy Go Phy-gital! • Identify early warning • In house collections • Automate dunning • Multiple Partners for signals for effective pre team to drive Pre- processes effective collections for delinquency NPA Collections higher buckets management • Multiple offline & online • Automated
Slide 72: Thank you
THANK YOU 11
Slide 73: Deposits
Deposits Analyst Day Presentation Dec 1, 2022 | Mumbai
Slide 74: Deposits at a glance
₹ 993 B 7M Deposits Clients 1,190 41% Branches with 500 new coming up CASA ratio
Slide 75: Agenda for the meet
AGENDA FOR THE MEET Redefining solutions keeping Customers at the Core of Every Decision making DEPOSIT GROWTH 01 Deposits in India are facing a shift coming off Covid and low interest regimes. HH savings have found newer avenues of allocations as Depositors look to diversify allocations including C
Slide 76: Deposit Mix – Evolving Trends
DEPOSIT MIX – EVOLVING TRENDS Shifting preferences in HH Savings from Deposits to other Asset classes 25% 13% 6% HH Deposits tapered in Small Savings schemes saw Mutual Fund investments FY22/FY23 as Investors chose increased allocations from 9% through SIPs increased other Asset Classes to beat in F
Slide 77: Agenda for the meet
AGENDA FOR THE MEET Redefining solutions keeping Customers at the Core of Every Decision making DEPOSIT GROWTH 01 Deposits in India are facing a shift coming off Covid and low interest regimes. HH savings have found newer avenues of allocations as Depositors look to diversify allocations including C
Slide 78: Journey so far
JOURNEY SO FAR We are restacking our approach to meet the shifting customer preferences HEADLINE GROWTH POSITIVE Steady headline growth better than Industry but composition Figures in Rs. Billion changed basis shifting preferences. CASA ratio growth (41% to CAGR (5 Yr.) 44%), Retail Deposits growth
Slide 79: Current Accounts
Current Accounts Targeting the most profitable segment with business ecosystem CA Book Movement & Projection for FY23 75.14 **All figures Trends in Growth of CA Deposits in Billion YoY 54.62 50.37 45.67 Growth 33.01 Projection 33.55 32.77 35.68 38% 21.05 12.68 FY20 FY21 FY22 FY23 CA% in 3.55 Total D
Slide 80: Savings Journey
Savings Journey Adding Value for Customers Trends on Growth of SA Deposits YoY SA Book Movement & Projection for FY23 **All figures in Billion 354.72 Growth 403.19 329.80 346.17 Projection 292.60 177.27 220.02 16% 135.32 100.71 FY20 FY21 FY22 FY23 58.82 26.31 Building Blocks … Asset lead acquisition
Slide 81: Term Deposits
Term Deposits Key Component for Growth **All figures Trends in Growth of Term Deposits TD Book Movement & Projection for FY23 in Billions YoY Growth 694.18 588.57 Projection 562.52 453.50 408.49 23% 441.45 314.10 360.54 181.93 207.83 148.93 Q2FY17 Q2FY18 Q2FY19 Q2FY20 Q2FY21 Q2FY22 Q2FY23 FY20 FY21
Slide 82: Agenda for the meet
AGENDA FOR THE MEET Redefining solutions keeping Customers at the Core of Every Decision making DEPOSIT GROWTH 01 Deposits in India are facing a shift coming off Covid and low interest regimes. HH savings have found newer avenues of allocations as Depositors look to diversify allocations including C
Slide 83: Pillars of Growth
PILLARS OF GROWTH We broke down our future growth strategy into 4 distinct pillars Ramp Up Acquisition – Increase Expanded footprint : Leverage the productivity of Sales Teams existing and the expanded footprint to 1 Specialized Teams – Teams for Business Accounts, Affluent and Government to build d
Slide 84: Expanded Footprint - Scale Nationally
EXPANDED FOOTPRINT - SCALE NATIONALLY We aim to build a National Brand presence and serve larger customer segments with more than 500 new branches Private Banks have moved up to 31% share in FY22; taking away market share from public sector banks supported by strong Branch network Deposit Market Sha
Slide 85: Expanded Footprint - Scale Nationally
EXPANDED FOOTPRINT - SCALE NATIONALLY We aim to build a National Brand presence and serve larger customer segments with more than 500 new branches Reduce Concentration in East & North-East, Gain National Scale Existing Distribution Of 1,190 Branches Proposed Distribution Of 1,741 Branches Maximising
Slide 86: Customer Acquisition
CUSTOMER ACQUISITION A KEY FOCUS AREA Avg. CASA Acquisition/Month Affluent share in CASA NTB Value FY20 81795 55% 47% 50% FY21 82321 26% FY22 83023 H1FY23 87402 FY20 FY21 FY22 H1FY23 Affluent RM Channel Balance build up Video KYC through ramping up CA A/C & New To Bank (NTB) Government acquisition
Slide 87: Reimagining the Engagement Model
REIMAGINING THE ENGAGEMENT MODEL We are building out our technology stack and leading through an Insight Driven Operating Model Digital marketing Offline channels Alliances • Paid • Branches • Aggregators • Owned • Tele-calling • Partnerships • Earned • FinTechs • Content & creative • Assets • APIs
Slide 88: Wealth Proposition
Wealth Proposition Scripting the Wealth Story Together, Today & Tomorrow Strategic Pillars Key Enablers Branch Distribution Footprints Customer Excellence & Service Experience Digital Banking Retail Assets Compliance & Risk Management Emerging Entrepreneurs Business Product & Sales Governance Phone
Slide 89: Platforms & Data – Insights Driven Model
PLATFORMS & DATA – INSIGHTS DRIVEN MODEL We are building out our technology stack and leading through an Insight Driven Operating Model From Good to Great !!! Data Design + Distribution The Hedgehog Concept Internal Data Intelligent External Design Distribution (Platform) Attribution Research led Va
Slide 90: Agenda for the meet
AGENDA FOR THE MEET Redefining solutions keeping Customers at the Core of Every Decision making DEPOSIT GROWTH 01 Deposits in India are facing a shift coming off Covid and low interest regimes. HH savings have found newer avenues of allocations as Depositors look to diversify allocations including C
Slide 91: Reimagining our future journeys
REIMAGINING OUR FUTURE JOURNEYS Journey thinking to drive greater customer adoption and engagement E2E journeys Data Digital Smart Algo Score Enrichment Workflows swim-lanes Cards Structured & Prospects (NTB) Segmental Intelligent Unstructured & Customers prospects, Green Banking & Data (ETB) lanes
Slide 92: Thank you
Thank you