Bajaj Finserv Financial Performance Q1 FY21
Financial statement summary – Bajaj Housing Finance Limited
B
BAJAJ
FINSERV
in Crore
Financials snapshot
Q1 FY21
Q1 FY20
Yo Y
FY20
FY19
Yo Y
Assets under management
32,982
21,745
52%
32,705
17,562
86%
Assets under finance
28,423
20,449
39%
27,975
17,332
61%
Interest income
691
457
51%
2,303
998
131%
Fee and other income
38
47
-19%
269
118
128%
Net gain on fair value changes on Investments
27
11
145%
74
40
85%
Total Income
756
515
47%
2,646
1,156
129%
Interest expenses
513
317
62%
1,616
685
136%
Net Interest Income
243
198
23%
1,030
471
119%
Operating Expenses
74
82
-10%
339
297
14%
Loan losses and provisions (ECL stage 1 & 2)
44
8
450%
86
22
291%
Loan losses and provisions (ECL stage 3 & write off)
1
1
0%
38
3
1167%
Profit before tax
124
107
16%
567
149
281%
Profit after tax
92
70
31%
421
110
283%
Ratios
Operating expense to Net Interest Income
30.5%
41.4%
32.9%
63.1%
Loan loss to Average AUF*
0.16%
0.05%
0.55%
0.24%
Return on Average Assets*
0.3%
0.4%
1.9%
1.1%
Return on Average Equity*
1.6%
1.9%
9.1%
4.2%
*Not annualized
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