BANDHAN BANK MERGED.pptx

bandhan bank marketing analsis

1. INDUSTRY ANALYSIS Team – 14 Mr. Eknath Ms. Thanuja Ms. Priya Dharshini Mr. Ganesh

2. GENRAL MANAGEMENT

3. About Bandhan Bank Bandhan started in 2001 as a not-for-profit enterprise that stood for financial inclusion and women empowerment through sustainable livelihood creation. It turned into an NBFC a few years later but the core objective remained financial inclusion. When Bandhan Bank started operations on August 23, 2015, it was the first instance of a microfinance entity transforming into a universal bank in India. On the day of the launch itself, Bandhan Bank started with 2,523 banking outlets. Bandhan Bank is driven by a constant desire to serve better. It offers world-class banking products and services to urban, semi-urban and rural customers alike.

4. VISION         “To be a world class bank for convenient and affordable financial solutions to all, in an inclusive and sustainable manner.” MISSION “ To provide our customers with accessible, simple, cost-effective and innovative financial solutions in a courteous and responsible manner. To create value for all stakeholders with a committed team, robust policies and superior systems and technology.”

5. EVOLUTION OF LOGO “ Aapka Bhala , Sabki Bhalai ” (Your welfare is everyone's welfare)

6. Bandhan Bank is a universal bank with a focus on financial inclusion. It was founded in 2001 as a microfinance institution (MFI) and became a bank in 2015 Bandhan Bank's business model is based on providing affordable and accessible financial services to the unbanked and under-banked segments of the population. Bandhan Bank's core business is microfinance. It provides small loans to women borrowers in rural and semi-urban areas, primarily for income-generating activities. Bandhan Bank uses a joint liability group (JLG) model for its microfinance lending ,also offers a range of other banking products and services, including savings accounts, current accounts, loans to small businesses, and deposit products. Bandhan Bank has a large network of branches and ATMs, which allows it to reach its customers in rural and remote areas. BUSINESS MODEL

7. STRENGTH Large customer base, especially in rural and semi-urban area Wide range of products and services Strong Microfinance Roots OPPORTUNITIES Competition from other banks and fintech companies Rising interest rates THREAD WEAKNESS High dependence on microfinance loans Limited geographic presence Expansion into new markets Launch of new products and services Partnerships with other financial institutions STRENGTH Large customer base, especially in rural and semi-urban area Wide range of products and services

8. PORTER’S 5 FORCES MODEL Bargaining power of suppliers : Banks have a large number of suppliers to choose from, and they can switch suppliers easily. For example, banks can choose from a variety of technology vendors, service providers, and asset managers. Bargaining power of buyers : Buyers have a number of options to choose from when selecting a bank, and they can switch banks easily. However, buyers are also dependent on banks for a variety of financial services, such as loans, deposits, and investment products.

9. PORTER’S 5 FORCES MODEL Threat of substitutes: The threat of substitutes in the banking industry is low. There are a few substitutes for traditional banking services, such as mobile wallets and peer-to-peer lending platforms. However, these substitutes are not yet widely adopted. Rivalry among existing competitors: The rivalry among existing competitors in the banking industry is high. There are a number of large and well-established banks in the Indian market, such as SBI, HDFC Bank, and ICICI Bank. These banks compete fiercely on price, product offerings, and customer service. Threat of new entrants : There are barriers to entry in the banking industry, such as the need for a large capital base and regulatory approval.

10. DOMESTIC & GLOBAL PRESENCE Domestic presence of Bandhan Bank Bandhan Bank is a domestic bank with a presence in 34 out of 36 states and union territories in India. Bandhan bank has 4,588 Banking Units, 1,411 Branches, 438 ATMs across the country Global presence of Bandhan Bank Bandhan Bank does not have a global presence. It is a domestic bank that operates only in India.

11. BUSINESS PARTNERSHIPS OF THE COMPANY WITHIN & OUTSIDE INDIA Within India SBI Life Insurance:  Bandhan Bank has a bancassurance partnership with SBI Life Insurance to offer life insurance products to its customers. HDFC ERGO General Insurance:  Bandhan Bank has a bancassurance partnership with HDFC ERGO General Insurance to offer general insurance products to its customers. Mastercard:  Bandhan Bank has a partnership with Mastercard to issue debit cards and credit cards to its customers. Visa:  Bandhan Bank has a partnership with Visa to issue debit cards and credit cards to its customers. National Payments Corporation of India (NPCI):  Bandhan Bank is a member of NPCI and offers its customers a range of digital payment services, such as UPI, IMPS, and AePS .

12. Outside India International Finance Corporation (IFC):  Bandhan Bank has a partnership with IFC, a member of the World Bank Group, to provide financing and technical assistance to support the bank's growth and expansion. Asian Development Bank (ADB):  Bandhan Bank has a partnership with ADB to provide financing and technical assistance to support the bank's financial inclusion initiatives. Nederlandse Financierings-Maatschappij voor Ontwikkelingslanden (FMO):  Bandhan Bank has a partnership with FMO, a Dutch development bank, to provide financing and technical assistance to support the bank's growth and expansion

13. 5 YEARS GROWTH RATE YEAR Growth rate 2022-23 21% 2021-22 0.65% 2020-21 11% 2019-20 15% 2018-19 82% In percentage

14. 5 YEARS REVENUE YEAR REVENUE 2022-23 15,90,46,996 2021-22 13,87,15,662 2020-21 12,52,42,119 2019-20 10,88,54,933 2018-19 7,70,64,172 In crores

15. 5 YEARS PROFIT YEAR PROFITS 2022-23 2,19,46,380 2021-22 12,57,940 2020-21 2,20,54,570 2019-20 9,41,09,532 2018-19 5,75,49,153 In crores

16. THANK YOU

17. HR DEPARTMENT PRIYA DHARSHINI B 223108740095

18. ABOUT HR DEPARTMENT Santanu Banerjee is the Head of Human Resource Department Human Resources policies and practices are designed with the objective of empowering people and providing them the environment where they can bring their best every day. The Bank focused on planned hiring, learning and development and grade promotions to drive employee productivity.

19. Competency based grade promotion process to nurture talent and to elevate employee. 9,307 employees promoted during FY 2022-23 5,690 employees were identified for role elevation during FY 2022-23 in the Bank to extend opportunity to internal talent Continued adopting digitization for an enhanced employee experience by Introducing portals like Bandhan Express Through the Campus Hiring program, Bandhan Bank created a young talent base. During FY 2022-23, your Bank covered 154 Campus across country hiring 1,102 Fresh talent from premier colleges.

20. Ratan Kumar Kesh Executive Director & Chief Operating Officer Santanu Banerjee Head - Human Resources Shantanu Sengupta Head - Retail Banking Sunil Samdani Chief Financial Officer Arindam Sarkar Head – Treasury Biswajit Das Chief Risk Officer Manoj Kumar Mauni Chief Technology Officer Nand Kumar Singh Head - Banking Operations & Customer Service Ronti Kar Chief Information Officer Siddhartha Sanyal Chief Economist and Head Research Sudheer Reddy Govula Chief Compliance Officer Sujoy Roy Head - Branch Banking Vishal Wadhwa Head - Emerging Entrepreneurs Business Jagannadha Rao Suvvari Head - Legal P Ramaswamy Chief of Internal Vigilance Chandra Shekhar Ghosh Chief Executive Officer ORGANISATIONAL STRUCTURE

21. TOTAL NUMBER OF EMPLOYEES Male Employees: 62,526 Female Employees: 7,176 Differently Abled Employees: 6 Total Number Of Employees: 69,708

22. ATTRITION RATE During FY 22-23, Bank expanded its distribution rapidly and to fulfil the people requirement in line with the expansion, the Bank witnessed a 16% increase in manpower, growing to 69,702 from 60,211 in the previous year. These hirings were across roles and departments, and across the country. Since its inception in August 2015, your Bank has witnessed manpower growth of 275%

23. SALARY STRUCTURE Number Median remuneration/ salary respective catego ry in Rupees Number Median remuneration/ salary respective categ ory in Rupees Board of Directors 13 38,25,000 3 19,10,00 Key Managerial Persons 2 1,32,96,039 Employees 62,522 2,51,059 7,176 2,63,041 MALE FEMALE

24. PAY SLIP

25. UNIQUE BENEFITS Employee Stock Option Scheme Health insurance Accidental insurance Maternity benefits Paternity benefits Day care facilities Gratuity Compensated Absences.

26. CORPORATE GOVERNANCE REPORT The Corporate Governance Team consists of: 1. Independent Directors 2. Executive Directors 3. Non-Executive Directors There are totally 9 Independent Directors There are totally 2 Executive Directors There are totally 2 Non-executive Directors There are totally 13 members involved in the Corporate Governance Team Ms. Divya Krishnan is a Non-executive, independent women Director involved in the board Total number of meetings held for the last financial year = 13.

27. CSR ACTIVITIES Subrata Dutta Gupta Independent Director Chandra Shekhar Ghosh Managing Director & Chief Executive Officer Vijay N Bhatt Independent Director The total amount of money spent on CSR for last financial year is : Rs. 51,25,63,688 CSR Activities are: 1. Education 2. Health 3. Environment Protection 4. Reducing Inequalities and Promoting Gender Equality 5. Rural Area and Slum Area Development 6. Disaster Management and Relief Operations.

28. Healthcare: Preventive Health, Nutrition and Food Security, Sanitation and Safe Drinking Water Education: Financial and Digital Literacy, Skill Development and Sustainable Livelihoods for underprivileged children, women, youths and persons with disabilities. Reducing Inequalities and Promoting Gender Equality: Women empowerment, empowering persons with disabilities and such measures that reduce inequalities faced by socially and economically backward groups Environment Protection: Natural Resource management and conservation, and Climate Change mitigation and adaptations. Rural Area and Slum Area Development: Improving infrastructure and living conditions, and sustainable agriculture .

29. Education Financial Literacy Program Health CSR IMAGES Employing the Unemployed Programme Targeting the Hardcore Poor Program Climate Action Programme

30. EMPLOYEE ENGAGEMENT Town-halls with the top management Cricket tournament Quiz contest during women’s day Team building activities Celebration events.

31. HR FORECAST OF 2024 Mr. Chandra Shekhar Ghosh is the Executive Director is appointed on July 10, 2015 and his period is expiring on July 09, 2024 Mr. Subrata Dutta Gupta and Mr. Suhail Chander were appointed as Independent Directors of the Bank, effective from March 19, 2021, for a period of three years each and their respective current terms are expiring on March 18, 2024 According to my Analysis there will be a change in the Board Of Directors at 2024.

32. TRAINING AND DEVELOPMENT Induction Training Conducting workshops Periodic communication meetings anchored by leadership Team building and celebration events Risk Management POSH Zero Tolerance Risk Culture .

33. FINANCE BY : THANUJA G M

34. CHIEF FINANCIAL OFFICER SUNIL SAMDANI

35. SHARE PRICE OF THE COMPANY OPEN 252.35 HIGH 252.75 LOW 449.05 52 WK HG 275.90 52 WK LOW 182.15

36. INCOME & EXPENDITURE (₹ in ‘000)

37. EMPLOYEE EXPENSES PF 141.11 Gratuity 20 2023 (₹ in ‘000)

38. TAX EXPENSES (₹ in Crs )

39. OTHER COST & EXPENSES (₹ in ‘000)

40. COMPANY TURNOVER (₹ in ‘000)

41. PROFIT BEFORE TAX NET PROFIT (₹ in Crs ) (₹ in ‘000)

42. OPERATING PROFIT TREAD ₹ in ‘000

43. CASH CONVERTION RATIO EARNING PER SHARE (in ₹) (in value)

44. SHARE HOLDER PAYOUT RATIO CASA RATIO ₹ in Crs

45. FORECAST OF 2024 E arnings : 31.1% pe r year  Revenue : 28.1% per year Decline in return on equity

46. THANK YOU

47. INDUSTRY ANALYSIS MARKETING

48. Rahul Parikh (Executive President and Chief Marketing & Digital Officer) Apurva Sircar (Head – Marketing) CMO name & Marketing department organizational structure Shimul Aich (Head - Digital Marketing)

49. Deposits Loans Other Products Products Portfolio Savings accounts Current accounts Fixed deposits Recurring deposits NRI accounts Micro loans Small enterprise loans Gold loans Personal loans Home loans Loan against property (LAP) Business loans Agricultural loans Debit cards Credit cards Internet banking Mobile banking SMS banking Bill payments Insurance Mutual funds

50. Domestic and Non-Resident Rupee Savings Bank Account a. Daily Balance up to ₹1 lakh 3.00% b. Daily Balance above ₹1 lakh to ₹10 lakh 6.00% c. Daily Balance above ₹10 lakh to ₹2 crore 7.00% d. Daily Balance above ₹2 crore to ₹10 crore 6.25% e. Daily Balance above ₹10 crore to ₹50 crore 6.50% Pricing strategy

51. Prevalence of Digital Marketing in BANDHAN BANK In FY 2020-21, Bandhan Bank implemented significant digital marketing initiatives, as mentioned in their 2021 Integrated Report The bank achieved over 10 lakh views on a prominent social media platform, indicating a strong online presence In 2018, Bandhan Bank engaged Crow's Nest as its digital marketing agency through a multi-agency pitch Apurva Sircar, who served as the Senior Vice President and Head of Marketing at Bandhan Bank, reported that the bank garnered more than 11.2 crore views across digital platforms. Insights into Bandhan Bank's digital marketing strategy for Q2 and Q3 of 2018 can be found in a presentation on SlideShare Overall, Bandhan Bank has actively utilized digital marketing to expand its outreach and enhance its brand presence.

52. Brand Valuation  "Fastest Growing Company" and "Excellence in Business Performance" in the category of companies with a turnover of INR 500 crore to INR 1,000 crore.  world-class bank for convenient and affordable financial solutions to all, in an inclusive and sustainable manner.

53. Unique Selling Proposition  " Unique Selling Proposition : Focuses on microfinance, affordable housing, and MSMEs. Targets India's unbanked population and underpenetrated markets.   Bandhan Bank's strengths lie in its unique value proposition, diverse product offerings, strong customer focus, impressive retail deposit growth, digital marketing efforts, and industry recognition.

54. Business strategy Bandhan Bank's business strategy is focused on reaching out to the unbanked and under-banked segments of the country's population The bank has adopted the principles of good corporate governance, with emphasis on transparency, integrity, and accountability Bandhan Bank has a comprehensive marketing strategy that includes segmentation, targeting, and positioning The bank is committed to its next five-year strategic vision and is ready for the next phase of growth Bandhan Bank specializes in micro-advances and has been expanding the general banking business to complement the micro loan business

55. BCG Matrix High Low Low High Relative Market Share Relative Market Growth Rate ? $ micro loans and small enterprise loans gold loans and personal loans savings accounts and fixed deposits

56. Competition Analysis

57. Marketing R&D Bandhan Bank is forecasted to grow earnings and revenue by 31.1% and 28.1% per annum respectively. EPS is expected to grow by 30.8%. Return on equity is forecast to be 18.7% in 3 years.

58. Marketing Trend 1. Focus on Growth: Anticipated earnings and revenue growth of 29.3% and 28.3% per annum, respectively, according to Simply Wall St. 2. Emphasize Financial Performance: Q1 FY24 PAT of ₹721 crore showcases strong financial performance, a potential marketing asset. 3. Highlight Dividend Payouts : Expected significant year-on-year dividend payouts in 2024 on record profits, as per ET BFSI. 4. Consider Stock Price Predictions: Stock price predictions, e.g., $294.48 by Gov Capital, can offer insights into market sentiment, aiding marketing strategies. 5. Utilize Smart Technical Analysis: provides real-time stock predictions using smart technical analysis, assisting in staying updated on market trends for adaptive marketing.

59. THANK YOU