Investor Presentaiton
Key Highlights
Bandhan Bank - Overview
Loan portfolio (on book + off book) for Q4FY 19-20 grew 60.5% Y-o-Y (excl. GRUH 20%)
Deposits grew by 32.0% Y-o-Y in Q4 FY 19-20 (excl. GRUH 29.0%)
Net NPA is at 0.58%
Retail Deposit to Total Deposit at 78.4%
Added 1.1 million Customers during the quarter with total customer base reaching to 20.10
million (Micro Banking- 15.40 million, Non Micro- 4.43 million and GRUH Finance -0.27
million)
During the quarter, the Bank has made additional provision of 6.9 bn on standard advances
against the potential impact of COVID-19 based on all the available information at this point
in time. In addition, the Bank carries additional Standard Asset Provision on Micro Finance
portfolio at 0.75% amounting to * 3.1 bn.
Snapshot of operations FY 2019-20
Total Deposits
* 570.82 bn
Total Loans and
advances
*718.46 bn¹
Net Interest Margin
(NIM)
8.12%*
CASA Ratio
36.84%
ROAA (%)
3.6%*
THANK
34
States & UTs
548
Cities
1018
Branches
3541
Banking Units
485
(DSCs+Gruh
Centres)
ATMs
1. On book + Off Book
* For FY 2019-20
39,750
Employees
ROAE (%)
21.1%
Bandhan
Bank
20.10 mn
Customers
64%
PRIORITY
Micro loans
91%
Priority sector loans
Q4 FY 20 numbers are merged after amalgamation of Gruh Finance Ltd 4View entire presentation