Bajaj Finserv - Covid-19 Update and Business Continuity Plan
BFL - KEY STRATEGIC DIFFERENTIATORS
B
BAJAJ
FINSERV
STRATEGY
Diversified financial services strategy seeking to optimise risk and profit, to deliver a sustainable
business model and deliver a superior ROE and ROA
• Focused on continuous innovation to transform customer experience to create growth
opportunities.
DIFFERENTIATORS
Focus on mass affluent and above clients
Strong focus on cross selling to existing
customers
Highly agile & highly innovative
Deep investment in technology and analytics
Diversified asset mix supported by strong ALM
and broad-based sources of borrowings
Overall customer franchise of 42.95 Mn. and Cross
sell client base of 22.59 Mn.
Centre of Excellence for each business vertical to
bring efficiencies across businesses and improve
cross sell opportunity. 70% of new loans in Q1 were
to existing clients
Continuous improvement in features of products &
timely transitions to maintain competitive edge
Has helped establish a highly metricised company
and manage risk & controllership effectively
Consolidated lending AUM mix for Consumer : Rural :
SME Commercial: Mortgage stood at 37%: 9%:
13%: 7%: 34% as of 30th June 2020
Consolidated borrowing mix for Banks: Money
Markets: Deposits: ECB stood at 39%: 40%: 17%:4%
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