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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 $$ 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% 30 30
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