Investor Presentaiton
Lead financial indicators (4/5)
BHFL - Balance sheet and geography
BAJAJ FINANCE LIMITED
27. In Q1, disbursements were $ 1,266 MM as against $ 1,129 MM in Q1 FY23, recording a growth of 12%.
28. Geographic presence stood at 167 locations.
BHFL - Liquidity and cost of fund
29. Liquidity buffer stood at $ 389 MM as of 30 June 2023.
30. In Q1, cost of funds was 7.67%, an increase of 19 bps over Q4 FY23.
31. Borrowing mix - Banks : NHB: Money market: Assignment stood at 47% : 7% : 34% : 12% as of 30 June 2023.
BHFL - Operating efficiencies
32. Net interest income (NII) grew by 18% to $ 86 MM in Q1 FY24 as against $ 72 MM in Q1 FY23.
33. In Q1, Opex to NII stood at 24.1% as against 26.8% in Q1 FY23.
34. Total employee headcount stood at 2,773 as of 30 June 2023.
BHFL - Credit costs
35. In Q1, loan losses and provisions were $ 1 MM as against $1 MM in Q1 FY23. BHFL holds a management and macro-
economic overlay provision of $ 27 MM as of 30 June 2023.
36. GNPA & NNPA stood at 0.23% and 0.08% as of 30 June 2023 as against 0.27% and 0.11% as of 30 June 2022.
37. Overall stage 3 assets stood at $ 19 MM as of 30 June 2023 as against $ 16 MM as of 30 June 2022.
8View entire presentation