1.5 2.5 3.7 4.4 4.

5
68%
49%
19%
2%
0%
10%
20%
30%
40%
50%
60%
70%
80%
0
0.5
1
1.5
2
2.5
3
3.5
4
4.5
5
Mar-10 Mar-11 Mar-12 Mar-13 Sep-13
I
n

P
e
r
c
e
n
t

I
n

R
s
.
'
0
0
0

C
r
o
r
e

Portfolio Size and Growth
Loan Portfolio Portfolio Growth
0
1
2
3
4
5
6
0
0.2
0.4
0.6
0.8
1
1.2
1.4
1.6
1.8
2
Mar-10 Mar-11 Mar-12 Mar-13 Sep-13
I
n

m
i
l
l
i
o
n

I
n

t
h
o
u
s
a
n
d

Outreach
No. of Branches No. of Borrowers
The portfolio outstanding and borrower base have grown at a CAGR of 44 and 24% respectively
during the 3 years.
The geographic diversity is set to improve through expansion in operations to other states.
Bandhan has a presence in 22 states,
growing at the rate of 25-30%
West Bengal, Assam and Bihar account
for two-thirds of its branches and three-
fourth of its loans are in these 3 states
60% (of Bandhans customers) do not
have bank accounts and the 40% with
accounts do not use them regularly
Mostly in Under-Banked parts of India
Of the 245 districts, Bandhan operates in,
173 are under banked
Of Its 2016 branches, 1444 are in under-
banked eastern and north-eastern India
0
100
200
300
400
500
600
700
800
900
N
o
.

o
f

B
r
a
n
c
h
e
s

22 States
Bandhan has a presence in 22 states, but West Bengal, Assam and Bihar alone account for 67% of
the total branches
Bandhans main areas of operations: East India and North East India
Lagging in other parts of India on Financial Inclusion
Arunachal
Manipur
Mizoram
Nagaland
Meghalaya
Sikkim
Assam West Bengal
Tripura
Rest of India
Bihar
0
5000
10000
15000
20000
25000
30000
35000
40000
45000
-2 0 2 4 6 8 10 12 14
P
o
p
u
l
a
t
i
o
n

p
e
r

b
r
a
n
c
h

No. of Branch per 1000 sq km
0
10
20
30
40
50
60
70
80
28.4
33.2
41.9
47.6
28.2
57.9
40.3
65.1
31.7
79
31.7
Credit Deposit Ratio