Investor Presentaiton
Lead financial indicators (4/6)
Bajaj Housing Finance Limited (BHFL)
BHFL - Balance sheet and geography
29. AUM was up 31% at 85,929 crore as against 65,581 crore as of 31 December 2022.
BAJAJ FINANCE LIMITED
30. Home loans AUM grew by 21%, Loan against property grew by 15%, Lease rental discounting grew by 70%, Developer
finance grew by 74% and Rural mortgages grew by 19%.
31. Portfolio composition for HL: LAP: LRD : DF: Rural: Others stood at 56% : 9% : 19%:10%: 4% : 2% as of 31 December 2023.
32. Overall approvals grew by 22% to ₹ 17,767 crore in Q3 FY24 as against 14,514 crore in Q3 FY23.
33. Disbursements grew by 44% to 10,727 crore in Q3 FY24 as against 7,429 crore in Q3 FY23,.
34. Geographic presence stood at 186 locations.
BHFL - Liquidity and cost of fund
35. Liquidity buffer stood at 2,243 crore as of 31 December 2023.
36. In Q3, cost of funds was 7.70% which was higher by 6 bps over Q2 FY24.
37. Borrowing mix - Banks : NHB: Money market: Assignment stood at 44% : 6% : 33% : 17% as of 31 December 2023.
BHFL - Operating efficiencies
38. Net interest income grew by 17% to 645 crore in Q3 FY24 as against 549 crore in Q3 FY23.
39. Net total income grew by 17% to 746 crore in Q3 FY24 as against ₹ 638 crore in Q3 FY23.
40. In Q3, Opex to Net total income stood at 23.2% as against 24.5% in Q3 FY23.
41. Total employee headcount stood at 2,585 as of 31 December 2023.View entire presentation