Page 82 - Demo

Customer growth
As on March 31, 2020, 87% of all customers had a deposit relationship with the Bank, as against 60% in March 2019. This expansion in customer base was driven by large- scale new customer acquisition across assets and deposit products as well as collaboration between business verticals for cross sell etc. Our unique customer base grew by 17% over the previous year by the end of FY 2019-20.
total Book (%)
54.4
Dec’19
Only Deposit
SEgMEnT-wISE PERFORMAnCE
assets Business
FY 2019-20 witnessed a healthy growth of 28% in the asset book, despite our conscious call to slow down our MicroBanking and MSE businesses in select pockets of stress in Q3 and Q4. Our non-Microfinance businesses especially Micro and Small enterprises (MSe), Affordable Housing and lending to financial institutions scaled up rapidly during the year, comprising 23% of overall asset book by the end of the year.
total Book (%)
`11,049 Crores
Mar'19
FIG-2 Others -0.3
46.7
Mar’19
MB-77 MSE-7 Housing-11
50.6
Sep’19
52.5
`14,153 Crores
active customer Base
Mar'20
FIG-4 Others -1.1
In Lakhs
48.2
Jun’19
10.9
36.2
7.3
8.8
33.4
10.3
7.3
29.2
14.1
6.1
24.7
17.4
6.5
21.6
18.6
Asset & Deposit Both
* Includes inactive and dormant customers
Only Asset
Mar’20
Quarter-wise Business
` Crores Disbursement growth
2,959
22%
(6%)
3,254
Q4 FY 2019-20
14,153
Mar-20
Q1 FY 2019-20
OSP growth
Q2 FY 2019-20
Q3 FY 2019-20
13,617
11,049
7%
Mar-19
12,864 11,783
3,606
3,402
(4%)
MB-85 MSE-5 Housing-8
The business growth had moderated in the third and the fourth quarters of the financial year, as the Bank had taken a cautious approach towards MFI lending in select pockets including Assam and parts of North East, West Bengal, Odisha, Tamil Nadu and Maharashtra, where delinquencies were higher due to natural calamities and other external factors. Normal business momentum was maintained in the unaffected areas, focusing on individual lending and simplified processes to improve productivity. The Bank also took a measured approach towards its MSE lending in select stressed pockets and limited its
Jun-19
9% 6% 4%
Sep-19 Dec-19
80 | ANNuAl RePORT 2019-20