Bajaj Finserv Financial Overview

Financial statement summary - Bajaj Housing Finance Limited B BAJAJ FINSERV USD 1 = INR 75 Values in MM Financials snapshot Q1 FY21 Q1 FY20 Yo Y FY20 FY19 Yo Y Assets under management 4,398 2,899 52% 4,361 2,342 86% Assets under finance 3,790 2,727 39% 3,730 2,311 61% Interest income 92 61 51% 307 133 131% Fee and other income 5 CO 6 -19% 36 16 128% Net gain on fair value changes on Investments 4 1 145% 10 LO 85% Total Income 101 69 47% 353 154 129% Interest expenses 68 42 62% 215 91 136% Net Interest Income 32 26 23% 137 63 119% Operating Expenses 10 11 -10% 45 40 14% Loan losses and provisions (ECL stage 1 & 2) 6 1 450% 11 3 291% Loan losses and provisions (ECL stage 3 & write off) 0 0 0% LO 5 0 1167% Profit before tax 17 14 16% 76 20 281% Profit after tax 12 9 31% 56 15 283% Ratios Operating expense to Net Interest Income 30.5% 41.4% 32.9% 63.1% Loan loss to Average AUF* 0.16% 0.05% 0.55% 0.24% Return on Average Assets* 0.3% 0.4% 1.9% 1.1% Return on Average Equity* 1.6% 1.9% 9.1% 4.2% Back 28 * Not annualized

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