Investor Presentaiton
Moratorium Update
Bandhan
Bank
Micro
100% Moratorium in
value for Apr/20
2
Mortgage
13% Moratorium in
value for Apr/20
3
SME
~35% Moratorium in
value for Apr 20
--
4
NBFC
(a) NBFC Others-NIL
Moratorium
(b) NBFC MFI~59% in
value Moratorium for
Apr 20
95% of DSCs have been opened and are connected with
borrowers to get the ground level feedback
79% of borrowers have an average deposit balance of ~
*3,070, which is equivalent to 4+ weekly instalments
As per borrower feedback, collection should normalize in
about 4-6 weeks after lockdown is lifted.
While moratorium was offered to 100% of the customers, 87%
of customers in value have paid instalment in Apr❜ 20
The balance 13% (largely self-employed) opted to conserve
cash.
Although moratorium was offered to all customers, ~65% (in
value) have paid instalment in Apr❜20
Customers opted to conserve cash
On account of travel restriction, many customers could not
pay instalment in Apr❜20
NBFC-MFI in general want to conserve cash as they have in
turn given moratorium to customers.
20% + Average Capital Adequacy reported by NBFC-MFI in
which Bank has exposure
NBFC-MFI seeking moratorium has placed deposits exceeding
their Q1 FY 21 instalments with the Bank.View entire presentation