Bajaj Finserv Financial Overview

10-year financial snapshot B BAJAJ FINSERV USD 1 = INR 75 Values in MM Financials snapshot Ⓡ @ FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18° FY19° (Consol.) (Consol.) FY20° Yo Y (Consol.) (FY19-FY20) CAGR (10 yrs) Assets under management 1,010 1,748 2,336 3,208 4,321 5,897 8,026 10,990 15,452 19,620 27% 39% Income from operations 187 290 415 543 722 978 1,332 1,701 2,467 3,518 43% 39% Interest expenses 49 99 161 210 300 390 507 615 883 1,263 43% 43% Net Interest Income (NII) 138 190 254 333 423 587 825 1,086 1,584 2,255 42% 36% Operating Expenses 61 89 113 153 190 253 342 436 560 755 35% 32% Loan Losses & Provision (ECL) 27 21 24 34 51 72 107 137 200 524 162% 39% Profit before tax 49 80 116 145 181 262 376 512 824 976 18% 39% Profit after tax 33 54 79 96 120 171 245 333 533 702 32% 40% Ratios FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 Opex to NII 44.4% 47.0% 44.6% 46.0% 45.0% 43.1% 41.4% 40.2% 35.3% 33.5% Return on assets 4.4% 4.2% 4.1% 3.6% 3.3% 3.5% 3.7% 3.7% 4.2% 4.1% Return on equity 19.7% 24.0% 21.9% 19.5% 20.4% 20.9% 21.6% 20.1% 22.5% 20.2% Net NPA * 0.80% 0.12% 0.19% 0.28% 0.45% 0.28% 0.44% 0.43% 0.63% 0.65% NPA provisioning coverage. 79% 89% 83% 76% 71% 77% 74% 70% 60% 60% All figures till including FY17 are as per previous GAAP, whereas for FY18 onwards are as per IndAS across periods are not comparable. * As per the RBI regulations, NNPA numbers for upto FY15 are at 6 months overdue, FY16 are at 5 months overdue, FY17 are at 4 months overdue and FY18 onwards are at 3 months overdue. Hence NPA Back18

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