Investor Presentaiton
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Financial summary – Bajaj Housing Finance
Financials snapshot
Assets under management
Assets under finance
Interest income
Interest expenses
Net interest income
BAJAJ FINANCE LIMITED
in Crore
Q3 FY24
Q3 FY23
Y-o-Y
9M FY24
9M FY23
Y-o-Y
85,929
65,581
31%
85,929
65,581
31%
73,197
57,991
26%
73,197
57,991
26%
1,846
1,428
29%
5,295
3,749
41%
1,201
879
37%
3,413
2,258
51%
645
549
17%
1,882
1,491
26%
Fees and commission income
32
22
45%
95
65
46%
I
Net gain on fair value changes
27
39
(31%)
98
78
26%
Sale of services & Income on de-recognised loans
30
25
20%
105
180
(42%)
Others
12
3
300%
28
8
250%
Net total income
746
638
17%
2,208
1,822
21%
Operating Expenses
173
156
11%
509
462
10%
Pre-provisioning operating profit
573
482
19%
1,699
1,360
25%
Loan losses and provisions
1
30
(97%)
26
67
(61%)
Profit before tax
572
452
27%
|
1,673
1,293
29%
Profit after tax
437
334
31%
1,350
956
41%
Ratios
Operating expenses to Net total income
23.2%
24.5%
23.1%
25.4%
Annualized Loan Loss to Average AUF
0.01%
0.21%
0.05%
0.17%
Annualized Return on Average AUF
|
2.43%
2.37%
2.66%
2.44%
|
Annualized Return on Average Equity
15.02%
13.32%
16.10%
15.05%
Earning per share Basic (3) *
0.65
0.50
30%
2.01
1.43
41%
Others include other operating income and other income | *Not annualized
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