Investor Presentaiton
BHFL Way Forward
Optimal Balance Sheet Mix
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.
Developer Finance book to be range bound
(12-14% of the portfolio)
Granular Portfolio
Continue to focus on mass affluent
customers as core target segment
Continue to focus on ATS of 30 - 100 lakh in
retail
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Capital adequacy
Maintain CRAR of over >17% against
regulatory norm of 15%
B
BAJAJ
FINSERV
Profitability & Risk metrics
ROE: 13-15%
ā
ROA: 1.7%-2.0%
GNPA: 0.6%-0.8%
** Operating efficiency
ā
Continued focus towards OPEX management
through cost out & process efficiencies
Diversified Borrowings
Maintain optimal borrowing mix of bank lines
and money market with focus on increasing
money market borrowings
Diversified borrowing mix by availing NHB
refinance in FY23
Assignment -15-20%
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