Executive Summary Q3 FY21
Behaviouralized ALM as of 31 Dec 2020 - BFL
As per previous GAAP
BAJAJ
B FINSERV
in Crore
Particulars
1-7 D 8 - 14 D
15 30 D >1-2 M
Cash & Investments
12,307
0
110
1
> 2-3 M
1
> 3-6 M
> 6M -1Y
> 1-3Y
-
> 3 5 Y
> 5 Y
Total
695
1,069
1,716
0
5,580 21,479
Advances
3,520
1,263
2,308
5,334
4,986
11,589
19,217
36,836
18,364
6,660
1,10,076
Other inflow S
534
802
3,814
29
570
250
919
1,214
0
4,429 12,562
Total Inflows (A)
16.361
2,064
6,232
5,364
5,557
12,535
21,205
39,766
18,364
16,668 1,44,116
Cumulative Total Inflows (B)
16,361
18,426
24,658
30,022
35,578
48,113
69,318
1,09,084
1,27,448
1,44,116
Borrowings
6,338
3,256
623
1,358
2,807
5.149
13,696
44,125
10,377
11,146 98.875
Capital Reserves and Surplus
35.772 35,772
Other Outflows
3,295
214
342
352
541
1,621
421
1,375
709
Total Outflows (C)
9.634
3,470
965
1,710
3,348
6,770
14,117
45,500
11,086
598
47,517 1,44,116
9,469
Cumulative Total Outflows (D)
9,634
13,104
14,069
15,779
19,127
25,897
40,014
85,514
96,600
1,44,116
Mismatch (EAC)
6,727
(1,406)
5,267
3,654
2,209
5,765
7,088 (5,734)
7,278
(30,849)
Cumulative mismatch (F = B-D)
6,727
5,322
10,589
14,243
16,451
22,216
29,304
23,570
30,849
Cumulative mismatch as %
70%
41%
75%
90%
86%
86%
73%
28%
32%
0%
(F/D)
Permissible cumulative gap %
-20%
-15%
Additional borrowings possible
16,753
24,783
# Includes Rs 3,975 crore of prepayment to banks. In last 60 days, BFL has prepaid 6,600 crore of term loans.
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