BFL Loan Loss Provision and Operating Expenses
BFL Loan Loss Provision and Operating Expenses
BAJAJ
B FINSERV
All Figures in Rs Million
Loss Provision and Net NPA%
59,686
2.00%
60,000
45,000
39,295
1.46%
30,000
16,857
17,503
15,000
0.75%
0.65%
0.5%
0
0.00%
FY20
FY21
Q1 FY21
Q1 FY22
Net NPA %*
GNPA and NNPA in Q1 FY22 stood at 2.96% &
1.46% respectively as compared to 1.40% and
0.50% in Q1 FY21
ā Standard assets provisioning (ECL stage 1 and 2)
stood at 174 bps as of 30 June 2021 vs 181 bps as of
31 March 2021. This was 90-100 bps during pre-
pandemic condition.
Loss Provision (Rs. millions)
Operating expenses as a % of NII
PAT
FY21 growth of -16%
52,637
44,198
35.3%
39,950
33.5%
30.7%
30.6%
27.9%
Q1 FY22 grow th
of 4%
9,623
10,024
FY19
FY20
FY21
Q1 FY21 Q1 FY22
FY19
FY20
FY21
Q1 FY21
Q1 FY22
*Net NPA, recognized as per extant RBI prudential norms and provisioned as per Expected Credit Loss (ECL) method prescribed in Ind AS.
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