Investor Presentaiton
16-years financial snapshot - Consolidated
BAJAJ FINANCE LIMITED
in crore
i CAGR i
Financials snapshot
@
FY08 FY09 FY10 FY11 FY12 FY13 FY14
FY15
FY16 FY17
FY18
FY19
FY20
FY21 FY22
FY23
¦(16 yrs.)¦
Loans booked (MM)
1.0
Customer franchise (MM)
0.8
0.6 0.9
1.2 1.9
1.6
3.0
2.2 2.8
4.7 6.7
3.4
4.9
6.8
10.1
15.3
23.5
27.4
16.9
24.7
29.6
25%
9.3
12.9
16.1
20.1
26.2
34.5
42.6
48.6
57.6
69.1
35%
AUM
Total income
503
599 916
Interest expenses
170
164
201
371 746 1,206
Net total income
332
435
715
Operating expenses
193
220
320
460 670 850
1,573
1,035 1,426 1,904 2,500
1,151
Loan losses & provision
109
164
261
205 154
Profit before tax
30
51
134
370
182
602 872
258
1,091
2,478 2,539 4,032 7,573 13,107 17,517 24,061 32,410 44,229 60,196 82,422
1,406 2,172 3,110 4,073 5,418 7,333 9,989 12,757 18,500
2,248 2,927 3,803 4,614 6,623
3,170 4,406 6,186 8,143 11,877
1,428 1,898 2,564 3,270 4,197
385 543 804
1,357 1,965 2,818
1,15,888 1,47,153 152,947 1,97,452 2,47,379 36%
26,386 26,683 31,648 41,415
34%
1,030
3,843
1,501
6,179
Profit after tax
21
34
89
247
406 591
Ratios
FY08
FY09 FY10 FY11
719 898 1,279 1,837
FY12 FY13 FY14 FY15 FY16 FY17
2,496
3,995
FY18
Loan loss to avg. AUF
Return on assets
Return on equity
Net NPA *
Provision coverage ratio
CRAR (standalone)
Leverage ratio
Opex to Net total income 58.1% 50.6% 44.8% 44.4% 47.0% 44.6% 46.0% 45.0% 43.1%
3.58% 4.89% 7.05% 3.63% 1.58% 1.25% 1.30% 1.42% 1.47%
0.7% 1.4% 2.8% 4.4% 4.2% 4.1% 3.6% 3.3% 3.5%
2.0% 3.2% 8% 19.7% 24.0% 21.9% 19.5% 20.4% 20.9% 21.6%
7% 5.50% 2.20% 0.80% 0.12% 0.19% 0.28% 0.45% 0.28% 0.44%
30% 32% 55% 79% 89% 83% 76% 71% 77% 74%
40.7% 38.4% 25.9% 20.0% 17.5% 21.9% 19.1% 18.0% 19.5% 20.3%
2.6 2.5 3.8 5.9 6.4 5.3 6.2 6.8
6.6
41.4%
40.2%
33.5%
3.7%
6.3
1.61% 1.50%
3.7%
20.1%
0.43%
70%
24.7%
5.4
5,308 7,587 10,139
3,929 5,969 4,803 3,190
7,322 5,992 9,504 15,528
5,264 4,420 7,028 11,508
FY19 FY20 FY21 FY22
FY23
35.3%
30.7% 34.7% 35.1%
1.55% 3.10% 4.14% 2.84% 1.47%
4.2% 4.1% 3.1% 4.2% 5.3%
22.5% 20.2% 12.8% 17.4% 23.5%
0.63% 0.65% 0.75% 0.68% 0.34%
60% 60% 58% 58% 64%
20.7% 25.0% 28.3% 27.2% 25.0%
6.3
5.1
9,473 9,414 9,754 12,560 33%
16,913 17,269 21,894 28,855 35%
5,662
30%
25%
52%
52%
4.7
4.9
5.1
@ All figures till FY17 are as per previous GAAP on standalone basis. All figures from FY18 onwards are as per Ind AS and on consolidated basis.
* As per the RBI regulations, NNPA numbers up to FY15 are at 6 months overdue, FY16 are at 5 months overdue, FY17 are at 4 months overdue, FY18 to Nov'21 are at 3 months overdue and Dec'21
onwards are at 91 days past due. Hence NPA across periods are not comparable.
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