Investor Presentaiton
15-years financial snapshot
BAJAJ FINANCE LIMITED
in crore
Financials snapshot @
FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17
FY18
FY19
FY20
FY21
FY22
CAGR
(15 yrs.)
AUM
Income from operations
Interest expenses
Net Interest Income (NII)
332
435
Operating Expenses
193
220
320
460
Loan Losses & Provision
109
164
261
205
154
2,478 2,539 4,032 7,573 13,107 17,517 24,061 32,410 44,229 60,196
503 599 916 1,406 2,172 3,110 4,073 5,418 7,333 9,989
170 164 201 371 746 1,206 1,573 2,248 2,927 3,803
715 1,035 1,426 1,904 2,500 3,170 4,406
670 850 1,151 1,428 1,898
182 258 385
82,422
1,15,888 1,47,153
152,947 1,97,452 37%
12,757
4,614
18,500 26,386
6,623 9,473
6,186
8,143
11,877
16,913
26,683 31,640 34%
9,414 9,748 34%
17,269 21,892
35%
2,564
3,270
4,197
5,662
5,308
7,585
30%
543 804
1,030
1,501
3,929
5,969 4,803
31%
Profit before tax
30
51
134
370
602
872
Profit after tax
21
34
89
247
406
591
1,091 1,357
719 898
1,279 1,837
1,965 2,818 3,843
2,496
6,179
7,322
5,992
9,504
51%
3,995
5,264
4,420 7,028
51%
Ratios
FY08 FY09 FY10 FY11
Opex to NII
Return on assets
0.7%
1.4% 2.8% 4.4% 4.2% 4.1% 3.6%
FY12 FY13 FY14
58.1% 50.6% 44.8% 44.4% 47.0% 44.6% 46.0% 45.0%
3.3%
FY15
FY16 FY17
43.1% 41.4%
FY18
FY19
FY20
40.2%
35.3%
33.5%
FY21
30.7% 34.6%
FY22
3.5% 3.7%
3.7%
4.2%
4.1%
Return on equity
2.0%
3.2% 8% 19.7% 24.0% 21.9% 19.5%
20.4%
Net NPA *
7%
Provision coverage ratio
CRAR (standalone)
Leverage ratio
2.6
2.5 3.8 5.9
5.50% 2.20% 0.80% 0.12% 0.19% 0.28% 0.45%
30% 32% 55% 79% 89% 83% 76% 71%
40.7% 38.4% 25.9% 20.0% 17.5% 21.9% 19.1% 18.0%
6.4 5.3 6.2 6.8
6.6
20.9% 21.6%
0.28% 0.44%
77% 74% 70%
19.5% 20.3% 24.7%
6.3
5.4
20.1%
22.5%
20.2%
3.1%
12.8%
4.2%
17.4%
0.43%
0.63%
0.65%
0.75% 0.68%
60%
20.7%
60%
25.0%
58%
28.3%
58%
27.2%
6.3
5.1
4.7
4.9
@ All figures till including FY17 are as per previous GAAP on standalone basis. All figures from FY18 onwards are as per IndAS and on consolidated basis.
*
As per the RBI regulations, NNPA numbers for up to FY15 are at 6 months overdue, FY16 are at 5 months overdue, FY17 are at 4 months overdue and FY18 onwards are at 3 months overdue.
Hence NPA across periods are not comparable.
23View entire presentation