Home Loans and Financial Growth Strategies
Way Forward
B FINSERV
BAJAJ
Optimal Balance Sheet Mix
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Capital adequacy
Profitability & Risk metrics
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Focus on building a low-risk balance sheet
with medium ROE. Salaried HL to be the core
growth driver over the next 3-5 years.
>>>
Maintain CRAR of over >17% against
regulatory norm of 15%
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ROE: 13-15%
>>>
ROA: 1.7%-2.0%
GNPA: 0.6%-0.8%
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Developer Finance book to be range bound
(12-14% of the portfolio)
BOO
Granular Portfolio
>>> Continue to focus on mass affluent
customers as core target segment
Continue to focus on ATS of 30- 100 lakh in
retail
** Operating efficiency
>>>
Continued focus towards OPEX management
through cost out, process efficiencies and
digitalization initiatives
Diversified Borrowings
Maintain optimal borrowing mix of bank lines
and money market with focus on increasing
money market borrowings
Enhance NHB refinance mix as part of total
borrowings
Assignment -15-20%
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