BHFL Strengths and Mortgage Products Overview
BHFL Way Forward
B
BAJAJ
FINSERV
Profitability & Risk metrics
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Capital adequacy
Maintain CRAR of over >15% over the
next 3 years against regulatory norm
of 15%
☐
ROE: 13-15%
BOO
◉
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 (7-8% 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
☐
808
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Operating efficiency
Continued focus towards OPEX
◉
management through cost out &
process efficiencies
OPEX/NIM -20% by FY23
ROA: 1.8% -2.1%
GNPA: <0.75%
Diversified Borrowings
Maintain optimal borrowing mix of
bank lines and money market.
Add new lines through refinance, sub-
debt and ECB
Assignment ~18-20%
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