Investor Presentaiton
BFL Subsidiaries - Key Highlights
Bajaj Housing Finance Limited (BHFL)
AUM & NIM Metrics
Credit Cost
Profitability & Capital
Position
B
BAJAJ
FINSERV
AUM increased by 37% to Rs. 533,217 Mn as of 31 Mar 2022 from Rs.
388,709 Mn as of 31 Mar 2021
Net Interest Income for Q4 FY22 increased by 22% to Rs. 4,517 Mn
from Rs. 3,695 Mn in Q4 FY20; FY22 NII increased by 36% to Rs. 16,118 Mn
■ Opex to NII increased to 32.5% in Q4 FY22 as against 26.6% in Q4 FY21
as it has accelerated its investment in geographic expansion; FY22
Opex to NII stood 29.2% as compared to 27.7% in FY21
Loan losses & provisions for Q4 FY22 were Rs. 379 Mn as against Rs.
299 Mn in Q4 FY21
■ FY22 credit cost was Rs. 1,811 Mn as against Rs. 2,472 Mn in FY22
■ Carries a management overlay of Rs. 2,110 Mn as of 31 March 2022
Profit after tax (PAT) increased by 11% to Rs. 1,976 Mn in Q4 FY22 vs
Rs. 1,789 Mn in Q4 FY21; FY22 PAT increased by 57% to Rs. 7,096 Mn
■ BHFL's Capital adequacy ratio (including Tier-Il capital) as of 31 March 2022
stood at 19.72%
Bajaj Financial Securities Limited (BFSL)
Customer Franchise
Revenue & Profitability
■ Acquired 62K & 288K+ customers during Q4 & FY22 respectively;
■ Retail & HNI custom er franchise stood at ~331K as of 31 March 2022
■ Total Income of Rs. 395 Mn in Q4 FY22 and Rs. 1,243 Mn in FY22
Net profit of Rs. 93 Mn in Q4 FY22 and Rs. 168 Mn in FY22
■
17View entire presentation