Investor Presentaiton
EXECUTIVE SUMMARY
Bajaj
Finance
30 year old non bank with a demonstrated track record of profitability
•
Focused on Consumer, Rural, SME & Commercial lines of businesses
Consumer
business
Rural
business
1 Not Annualised
•
.
Portfolio mix for Consumer: SME: Commercial Rural stands at 46% 34% : 14% : 6%
• Strategic business unit organization design supported by horizontal com m on utility support
functions to drive domain expertise, scalability and operating leverage
• Strategy is to focus on cross sell, customer experience and product & process innovations to
create a differentiated & profitable business model
The company has 68,883 Crs of Assets under Management with a net NPA of 0.53% at 90 days.
overdue and a capital adequacy of 20.15% as of 30 Jun 2017. The company in Q1 FY18 has
delivered a post tax profit of 602 Crs which is a 42% growth at an ROA¹ of 1.0% and ROE¹ of
6.1%
•Two wheeler financing business currently contributes to 37% of Bajaj Auto's domestic two
wheeler sales and disbursed 159 K accounts in Q1FY18. Three wheeler financing business
currently contributes to 28% of three wheeler sales and disbursed 14K account in Q1FY18
Present in 339 locations with 33,000+ active distribution point of sale
• Largest consumer electronics, digital products & furniture lender in India, focused on affluent
•
consumers
Amongst the largest personal loan lenders in India
•
EMI (Existing Membership Identification) Card franchise crossed 9.8* MM cards (CIF)
Amongst the largest new loans acquirers in India (3.77 MM in Q1 FY18)
Highly diversified lender in the rural eco system offering 8 products in consumer and MSME
business categories with a unique hub and spoke business model
• Geographic presence across 560 towns and villages and retail presence across 5,900+ stores
Includes EMI Card, and Virtual EMI cards
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