Bandhan Bank Ltd. · NSE:BANDHANBNK
Bandhan Bank — Q4 FY2018-19 Earnings Presentation
29 slides from Bandhan Bank's earnings presentation, April 2019
Slide 1: Investor Presentation – Q4 FY 2018-19
Investor Presentation – Q4 FY 2018-19 APRIL 2019
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 (Q4 FY 18-19) Loan portfolio (on book + off book) for Q4FY 18-19 grew 38.46% Y-o-Y Total Deposits ₹ 432 bnbn 307.0 Deposits grew by 27.64% Y-o-Y in Q4 FY 18-19. Total fund raised (including IBPC) Total loans grew 33% Y-o-Y and advance
Slide 5: Geographical Distribution
Geographical Distribution 5
Slide 6: Geographical Distribution
Geographical Distribution Banking Outlets Focus on serving the rural & 6000 underbanked population Metro, 3700 4000 4000 10% Rural, 2764 3014 Urban, 2000 36% 19% 936 986 0 Mar' 18 Mar' 19 Branches DSCs Banking Outlets Semi- urban, Received approval for opening 64 Branches out of which 48 branches 35
Slide 7: Branch Mix
Branch Mix Present in 34 of the 36 States and Union Territories of India. Lakshadweep & Daman and Diu are the only ones that do not have a Bandhan Bank presence.
Slide 8: Amalgamation Update
Amalgamation Update Bandhan Bank
Slide 9: Update of Amalgamation of Gruh Finance into and with the Bank
Update of Amalgamation of Gruh Finance into and with the Bank Receipt of approval from NSE and BSE Receipt of approval from SEBI for adaptation of scheme of Amalgamation as Approval of Application to SEBI for considering the a method to comply with Filing the amalgamation amalgamation as a metho
Slide 10: Business Overview
Business Overview Bandhan Bank
Slide 11: Asset Overview
Asset Overview Advances* Growth (₹ in Billion) Number of Total Active Borrowers (in Million) 447.8 9.65 323.4 7.83 Mar' 18 Mar' 19 Mar' 18 Mar' 19 Composition of Advances (in %) Higher PSL Portfolio * 5% 86% 86% 95% 14% 14% Mar' 18 Mar' 19 Priority sector advances (as a % of advances) – Q4 FY2019 No
Slide 12: Asset Overview
Asset Overview Micro Banking Asset* Growth (₹ in Billion) Product wise Advances – Non Micro (₹ in Billion) 386.15 276.5 3.43 4.51 Mar' 19 19.87 14.97 18.83 1.69 Mar' 18 Mar' 19 4.49 Dec' 18 14.34 Number of Active Micro Borrowers (in Mn) 14.23 12.05 10.00 9.49 7.70 1.47 8.00 0.65 6.00 Mar' 18 12.26 4
Slide 13: Disbursement
Disbursement Product wise Disbursements – Non Micro (₹ in Total Disbursement - Non Micro Banking Asset (₹ Billion) in Billion) Retail SEL SME 39.91 37.63 22.49 15.48 12.18 13.47 19.00 Q4 FY 18 Q3 FY 19 Q4 FY 19 FY 18 FY 19 Micro Loan Disbursements (₹ in Billion) 12.51 8.31 522.11 7.58 6.17 9.03 360.
Slide 14: Liabilities Profile
Liabilities Profile Deposits Growth (₹ in Billion) Number of Customers (in Million) Micro Banking General Banking 432.32 16.56 13.01 3.46 338.69 2.4 97.87 10.6 13.1 95.08 Mar' 18 Mar' 19 158.27 CASA (%) 127.37 40.8% 140.08 92.09 [CELLRANG E], 24.15 36.10 Mar' 18 Mar' 19 Current Savings TD Retail TD
Slide 15: Liabilities Profile
Liabilities Profile Retail to total Deposits (%) Moving towards a more stable and cheaper source of funding 71.9% 77.4% Deposits 0% Borrowings 100% 23 Aug 2015 Mar' 18 Mar' 19 Borrowings 20% Average SA Balance (₹ in 000’) General Banking Micro Banking Deposits 80% March 2016 2.35 2.10 Borrowings 40.
Slide 16: Credit Rating
Credit Rating Rating of Bank’s Financial Securities Amount Instrument Rating Rating Agency (₹ in Billion) CARE AA-; (Double A Minus) CARE Ratings Outlook: Credit watch with Unsecured Subordinated Non - developing implications) 1.60 Convertible Debenture [ICRA]AA (Double A; Outlook: placed on rating
Slide 17: Financial Overview
Financial Overview Bandhan Bank
Slide 18: Financial Performance
Financial Performance Total income (₹ in Billion) PAT (₹ in Billion) Net Interest Income Other Income Total Income [VALUE]* 13.46 [VALUE] 3.88 [VALUE]* Q4 FY 18 Q3 FY 19 Q4 FY 19 FY18 FY19 55.59 Operating expenses to Average Assets (%) 10.63 (On Book + Off Book) 37.38 3.6% 3.8% 3.6% 3.6% 3.6% 7.06 1
Slide 19: Financial Performance
Financial Performance ROAA & ROAE* Spread % ROAA ROAE Yield Cost of funds (Excl Cap.) Spread 27.7% 26.0% 24.1% 14.6% 15.4% 15.6% 15.4% 15.4% 19.0% 8.4% 9.1% 9.5% 9.1% 12.5% 8.7% 6.2% 6.3% 6.1% 6.7% 6.3% 4.1% 5.2% 4.1% 4.2% 2.9% Q4 FY18 Q3 FY19 Q4 FY19 FY18 FY19 Q4 FY18 Q3 FY19 Q4 FY19 FY18 FY19 Cost
Slide 20: Financial Performance
Financial Performance Capital Adequacy Ratio NIM Tier I Tier II Total 10.7% 10.5% 10.4% 31.5% 32.8% 29.2% 9.7% 1.2% 1.1% 1.3% 9.3% 30.3% 31.7% 27.9% Q4 FY18 Q3 FY19 Q4 FY19 FY18 FY19 Mar' 18 Dec' 18 Mar' 19 Gross NPA and Net NPA Credit Cost Gross NPA (%) Net NPA 5.70%* 2.41% 2.04% 5.50% 2.29%* 1.25%
Slide 21: Profit & Loss Statement (IN ₹ million)
Profit & Loss Statement (IN ₹ million) Particulars Q4 FY 19 Q4 FY 18 YoY% Q3 FY 19 Q0Q% Mar-19 Mar-18 YoY% Interest Income 18,327 13,506 35.69% 16,496 11.10% 66,441 48,023 38.35% Interest expenses 5,752 4,872 18.07% 5,255 9.46% 21,480 17,701 21.35% Net Int. Income (NII) 12,575 8,634 45.64% 11,241 11
Slide 22: Balance Sheet (IN ₹Million)
Balance Sheet (IN ₹Million) As at As at YoY% Particulars 31st March 2019 31st March 2018 Capital & Liabilities Capital 11931 11928 0.02% Reserves & Surplus 100087 81891 22.22% Shareholder Funds 112018 93819 19.40% Deposits 432316 338690 27.64% Borrowings 5214 2850 82.93% Other liabilities and provis
Slide 23: Our Board & Management
Our Board & Management 23
Slide 24: Management Team
Experienced and professional team… Chandra Shekhar Ghosh Mahendra Mohan Gupta MD & CEO Head, Legal Founder of BFSL, has 27 years of experience in the field of 34+ years experience in the legal, finance and banking industry microfinance and development Previously worked as DGM- Legal at ICICI B
Slide 25: Board of Directors
… backed by a strong independent Board Chandra Shekhar Ghosh MD & CEO Dr. Anup Kumar Sinha Has significant experience in the field of microfinance Part-time Chairman Awarded ‘Outstanding Leadership Award’ by Dhaka University Economist with Ph.D from University of Sothern California Served as
Slide 26: 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 27: Awards and accolades
Awards and accolades Best Bank of the Year 2018 Bandhan Bank was declared the Best Bank of the Year 2018 at Moneycontrol’s ‘The Wealth Creator Awards’. Shri Suresh Prabhu, Minister of Commerce & Industry, and Civil Aviation, graced the event as the Chief Guest and gave away the awards. MFIN Microfin
Slide 28: 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 event was graced by Honourable Chief Minister of Chhattisgarh, Shri Raman Singh,. Aad
Slide 29: Thank You
Thank You Bandhan Bank