Investor Presentaiton
Preliminary assessment of second wave
BAJAJ FINANCE LIMITED
1. Barring a national lockdown, 3-4 large GDP contributing states going into simultaneous lockdown for 3-5 weeks and another
moratorium on loan repayment, the Company is confident of delivering its long term guidance metrics in FY22.
2. Having experienced the first wave, we believe that a disruption in first quarter could be reasonably mitigated in the balance 3
quarters. We are watching the situation closely and are taking appropriate actions to navigate through this.
3. Despite significant disruptions, the Company remains open for business across geographies in line with local administration
advisories. As a high frequency indicator, in the last 7-10 days, the Company has continued to originate 50-55% of daily volumes in
B2B business, 80-85% in B2C and SME businesses and 40-50% in mortgages.
4. The Company in the last one year has significantly augmented its digital capabilities to remain fully functional for new origination,
service, operations and collections in a work from home situation. The Company continues to remain well invested with 25-30%
higher collections infrastructure.
5. All the planned business transformation initiatives are going live by August/September. It will help in accelerating market share as
the economic momentum accelerates.
6. The current high frequency risk and collections data is not warranting any risk stance change. We will continue to remain data
dependent to make risk decisions.
7. The Company has created detailed standard operating protocols for business continuity for micro containment across geographies.
8. Lastly but very importantly, we are concerned about the health of our employees and are closely monitoring the situation. The
Company has reinitiated its financial aid program for medical expenditures for its employees. The Company has initiated discussion
with vaccine producers to vaccinate all its employees and their dependents. The Company intends to bear the cost of vaccination.
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