Investor Presentaiton
Business Update
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In Q4, liquidity coverage ratio remains comfortable at 129.12%, above regulatory requirement of 60%.
Opex to NII improved to 26.5% in Q4FY23 as against 32.5% in Q4FY22.
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BAJAJ
FINSERV
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GNPA at 0.22% as of 31 March 2023 (0.31% as of 31 March 2022) as against 0.23% as of 31 December 2022, an
improvement of 1 bps. NNPA also improved by 2 bps at 0.08% as of 31 March 2023. Provisioning coverage ratio
at 64%.
Loan losses and provisions for the quarter were 57 Cr as against 38 crore in Q4FY22. The Company continue to
hold management overlay provision of 237 Cr as of 31 March 2023.
Overall stage 2 assets stood at 360 Cr as of 31 March 2023 as against 394 Cr as of 31 December 2022. Of this,
non overdue (O DPD) one-time resolution (OTR) assets classified as stage 2 as of 31 March 2023 were 123 Cr
where the Company carries provisioning of 20% as against the regulatory requirement of 10%.
Overall stage 3 assets stood at 137 crore as of 31 March 2023 as against 135 crore as of 31 December 2022.
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