Investor Presentation – Q1 FY 2019-20 July 2019
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 presentation material, you agree to be bound by following limitations: The information in this presentation has been prepared for use in presentations by Bank for information purposes only and does not constitute, or should be regarded as, or form part of any offer, invitation, inducement or advertisement to sell or issue, or any solicitation or any offer to purchase or subscribe for, any securities of the Company in any jurisdiction, including the United States and India, nor shall it, or the fact of its distribution form the basis of, or be relied on in connection with, any investment decision or any contract or commitment to purchase or subscribe for any securities of the Company in any jurisdiction, including the United States and India. This presentation does not constitute a recommendation by the Bank or any other party to sell or buy any securities of the Bank. This presentation and its contents are not and should not be construed as a prospectus or an offer document, including as defined under the Companies Act, 2013, to the extent notified and in force or an offer document under the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2009as amended. The Bank may alter, modify, or otherwise change in any manner the contents of this presentation without obligation to modify any person of such change or changes. No representation warranty implied as to and reliance or warranty, express or implied, is made to, nor should be placed on, the fairness, accuracy, completeness or correctness of the information or opinions contained in this presentation. Neither Bank nor any of its affiliates, advisors or representatives shall have any responsibility or liability whatsoever (for negligence or otherwise) for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection with this presentation. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially. This presentation is based on the economic, regulatory, market and other conditions as in effect on the date hereof. It should be understood that subsequent developments may affect the information contained in this presentation, which neither Bank nor its affiliates, advisors or representatives are under any obligation to update, revise or affirm. This presentation contains certain supplemental measures of performance and liquidity that are not required by or presented in accordance with Indian GAAP, and should not be considered as an alternative to profit, operating revenue or any other performance measures derived in accordance with Indian GAAP or an alternative to cash flow from operations as a measure of liquidity of the Bank. You must make your own assessment of the relevance, accuracy and adequacy of the information contained in this presentation and must make independent analysis as you may consider necessary or appropriate for such purpose. Any opinions expressed in this presentation are subject to change without notice and past performance is not indicative of future results. By attending this presentation you acknowledge that you will be solely responsible for your own assessment of the market position of the Bank and that you will conduct your own analysis and be solely responsible for forming your own view of the potential future performance of the Bank ’s business. This presentation contains forward‐looking statements based on the currently held beliefs and assumptions of the management of the Bank , which are expressed in good faith and, in their opinion, reasonable. Forward‐looking statements involve known and unknown risks, uncertainties and other factors, which may cause the actual results, financial condition, performance, or achievements of the Bank or industry results, to differ materially from the results, financial condition, performance or achievements expressed or implied by such forward‐looking statements. The risks and uncertainties relating to these statements include, but are not limited to, risks and uncertainties regarding expansion plans and the benefits there from, fluctuations in our earnings, our ability to manage growth and implement strategies, competition in our business including those factors which may affect our cost advantage, wage increases in India, our ability to attract and retain highly skilled professionals, our ability to win new contracts, changes in technology, availability of financing, our ability to successfully complete and integrate our expansion plans, liabilities, political instability and general economic conditions affecting our industry. Unless otherwise indicated, the information contained herein is preliminary and indicative and is based on management information, current plans and estimates. Industry and market‐related information is obtained or derived from industry publications and other sources and has not been verified by us. Given these risks, uncertainties and other factors, recipients of this document are cautioned not to place undue reliance on these forward‐looking statements. The Bank disclaims any obligation to update these forward‐looking statements to reflect future events or developments. 2 This presentation is not an offer for sale of securities in the UNITED STATES or elsewhere.
Key Highlights & Strengths 3
Key Highlights Snapshot of operations (30 th June 2019) Bandhan Bank - Overview Total Deposits ₹ 437.01 bn Loan portfolio (on book + off book) for Q1FY 19-20 grew 39.36% Y-o-Y Total loans Deposits grew by 42.34% Y-o-Y in Q1 FY 19-20 ₹ 454 .20 bn 1 and advances Net NPA at 0.56% Net interest margin 10.45%* (NIM) Retail Deposit to Total Deposit at 76.09% Added 7.08 lakh Customer during the quarter with total customer base CASA ratio (%) 36.06% reaching to 17.27 million (Micro Banking- 13.58 million and Non Micro – ROAA (%) 4.89%* 3.69 million) Income from PSLC of ₹3.70 Billion to be recognised over 4 quarters, 24.43%* ROAE (%) hence booked ₹0.93 Billion in Q1 FY19 -20 34 999 3,014 17.27 mm 86% Branches Customers States & UTs DSCs Micro loans 32,774 458 481 95% 1 Cities ATMs Employees Priority sector loans * Annualised 4 1 On book + Off Book;
Geographical Distribution 5
Geographical Distribution Focus on serving the rural & Banking Outlets underbanked population 5000 4013 4000 Banking Outlets as on 30 th June 2019* 3701 4000 Metro, 3000 10% Rural, Urban, 2000 36% 19% 3014 3014 2764 1000 937 986 999 0 Semi- June 18' March 19' June 19' urban, Branches DSCs Banking Outlets 35% Multi channel distribution network with a mix of Sign Significant pr presence in n un under- pen penetrated branches and digital Eas ast and and Nor North Eas ast Indi ndia West South Branches ATMs DSCs Net banking mBandhan Debit card 8% 5% North 6% Central East 16% 51% North 6 East *Basis original classification at the time of opening 14%
Geographical Distribution Prese sent nt in 3 in 34 of the 36 State ates s and Un Union ion Territorie ritories s of India. ia. Lakshadweep & Daman and Diu are the only ones that do not have a Bandhan Bank presence. DSCs Branches
Amalgamation Update 8
Update on Amalgamation of Gruh Finance into and with the Bank Receipt of approval from Application to SEBI for NSE and BSE Receipt of approval from considering the Filing the amalgamation as a SEBI for adaptation of scheme with scheme of Amalgamation as method of complying Approval of NCLT, Kolkata a method to comply with with Minimum Public amalgamation bench Filing with RBI shareholding (MPS) MPS Norms. by the Board 12.01.2019 06.02.2019 14.03.2019 15.04.2019 20.06.2019 07.01.2019 14.01.2019 08.02.2019 03.04.2019 04.04.2019 Order issued by Filing with Stock Filing with Completion Receipt of Receipt of NCLT, Kolkata for Exchanges approval from Commission of India (CCI) approval from convening meeting RBI CCI of the equity shareholders on July 30, 2019 4
Business Overview 10
Asset Overview Adv Advances Gr Growt wth ( ₹ in Billion) Co Compos osit itio ion of of Adv Advances (in n %) %) 454.20 447.76 325.90 85% 86% 86% 15% 14% 14% June 18' June 19' March 19' June 18' June 19' March 19' Non-Micro Banking Assets Micro Banking Assets Tot otal Adv Advances ( ₹ in Billion) 325.90 355.99 447.76 454.20 333.73 SME 16.99 18.41 15.92 17.61 18.71 5.49 4.51 4.50 4.60 4.49 NBFC- 19.87 22.63 14.34 11.29 12.00 Others NBFC- 12.05 10.48 18.83 17.43 10.96 MFI Retail 289.74 309.18 386.15 391.66 279.74 Micro 11 JUN-18 SEP-18 DEC-18 MAR-19 JUN-19
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