Investor Presentaiton
Micro Finance portfolio has historically shown higher
resilience vis-a-vis industry during times of crisis
Bandhan
Bank
Farm Loan Waiver in Uttar Pradesh
(Aug'17)
Cyclone Fani in Odisha
(May'19)
90+ DPD as on Mar'18
4.6%
14.3%
13.4%
Bandhan
Bank
Rest of
Industry
Total
Industry*
1.0%
90+ DPD as on Sep'19
6.5%
6.1%
Bandhan
Bank
Rest of
Industry
Total
Industry*
Nature of challenge decides the quantum of losses :
Challenges (like Cyclone Fani, GST, Demonetization) which relate to customer ability,
despite of adverse business impact, finally cause lower losses as against issues (like
UP loan waiver, Assam agitation) which emanate from customer willingness where
credit culture takes a hit.
*Source: Equifax Credit Bureau
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