• India’s banking landscape is seeing unprecedented transformation. Sharper focus on financial inclusion, adoption of advanced technology, consolidation and regulatory oversight are reshaping the world of banking in India.
  • Amidst the winds of change, we at Bandhan Bank, are deeply rooted to our core values of customer centricity, business ethics and social responsibility. We are partnering the underserved to make them a part of the formal economy. We are strengthening our infrastructure and operations to provide fast, convenient and affordable financial solutions to a large section of the population, especially the unbanked and the underbanked. We are handholding them to facilitate their journey towards progress and prosperity.
  • Our journey began in 2001 as a not-forprofit microfinance enterprise to make a significant contribution towards poverty alleviation by empowering women, especially in rural areas. We became a non-banking financial company in 2006.
  • 17% Branches in metro cities,  29% Branches in urban centres,  54% Branches in semi-urban and rural areas
  • 45.81% Growth in liability book size in FY 2017-18 over FY 2016-17;  55.40% Increase in Small Enterprise Loans (SELs) portfolio in FY 2017-18 over FY 2016-17
  • We launched NRI business proposition for our non-resident customers. The NRI business portfolio closed at `205.03 crore as on March 31, 2018.
  • Our strategies are shaped by our philosophy of financial inclusion. We have reached out to more than 130 lakh customers with a comprehensive basket of financial products across 29 states and five Union Territories. We have 936 branches and 2,764 DSCs, along with a network of 460 ATMs across India. We primarily focus on micro lending for unbanked and underbanked sections of society. We are playing the role of a change agent in raising financial awareness around savings, credit, and financial investment.
  • Our key future priorities are: Persistent focus on microlending, while expanding further; Continue to reinforce our liability franchise; Bolster share of non-interest income; Strengthen our digital platform; Widen distribution and reach
  • Where traditional commercial banks may not be well-suited to target rural areas or provide Priority Sector Lending (PSL) — we sense opportunity. We focus on these segments not because of regulatory compulsion, but as a business strategy. Besides, we operate a low-cost network, designed to touch these segments in an efficient and cost-effective manner.
  • We believe that our asset quality is driven by multiple factors: focus on income-generating loans, robust systems to track loan utilization, consistent credit surveillance to ensure collections and extensive risk management practices. Additionally, we are conservative in our approach to provision for non-performing loans. We provide for them in higher amounts than required under RBI regulations.
  • Asset products include SME Loans, Agricultural loans, Micro banking loans, Retail loans, Small Enterprise loans and Gold loans.
  • The Bank commenced its banking business with effect from August 23, 2015 with 501 branches across India. In a span of about three years, the Bank has expanded its presence significantly in metro, urban, semi-urban and rural areas. As on March 31, 2018, its network consisted of 936 branches, of which 30 per cent are in rural areas, demonstrating your Bank’s commitment to financial inclusion.
  • The Bank had 28159 employees as on March 31, 2018.
Bandhan Bank Annual Report 2018
Note: The annual report is an interesting read on how the bank’s niche is focusing on the under served and getting them in the banking eco-system.

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