Q3 FY22 Earnings Report
Lead financial indicators
BAJAJ FINANCE LIMITED
19. On portfolio credit quality, from a management assurance standpoint 7 portfolios were green and back to pre-Covid levels and 2
were yellow (2-wheeler and home loan).
20. Consolidated post tax profit grew by 85% to 2,125 crore in Q3 FY22 as compared to 1,146 crore in Q3 FY21.
21. Capital adequacy remained very strong at 26.96% as of 31 December 2021. Tier-1 capital was 24.44%.
22. In Q3, the Company has delivered on all its long-term financial guidance metrics. AUM growth was 26%, profit growth was 85%,
annualized return on assets was 5.1%, annualized return on equity was 21.2%, gross NPA was 1.73% and net NPA was 0.78%. The
Company is now back to pre-Covid long-term guidance metrics.
23. BHFL AUM grew by 39% to 49,203 crore as of 31 December 2021.
24. Capital adequacy of BHFL was 19.37% as of 31 December 2021.
25. BHFL delivered post tax profit of 185 crore in Q3 FY22 compared to 99 crore in Q3 FY21, a growth of 87%.
26. BFL board has approved infusion of ₹2,500 crore of equity share capital in BHFL to support its capital needs for next 24 months.
27. BFSL acquired 65K customers in Q3 FY22. Its Retail and HNI customer franchise stood at 269K as of 31 December 2021. In Q3, BFSL has
changed its acquisition strategy to focus on higher activation rate.
28. BFSL delivered post tax profit of 7 crore in Q3 FY22.
29. BFL board has approved infusion of ₹400 crore of equity share capital in BFSL to support its growth plans for next 24 months.
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