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
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