Home Loans and Financial Growth Strategies slide image

Home Loans and Financial Growth Strategies

Way Forward B FINSERV BAJAJ Optimal Balance Sheet Mix $$ Capital adequacy Profitability & Risk metrics >>> 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% >>> ROE: 13-15% >>> ROA: 1.7%-2.0% GNPA: 0.6%-0.8% >>> 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% 31 557
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