Investor Presentaiton slide image

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. 23
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