Bajaj Finserv Financial Performance Q1 FY21
10-year financial snapshot
BAJAJ
B FINSERV
in crore
FY18°
Financials snapshot
FY11
FY12
FY13
FY14
FY15
FY16
FY17
(Consol.)
FY19°
(Consol.)
FY20° Yo Y
CAGR
(Consol.) (FY19-FY20) (10 yrs)
Assets under management
7,573
13,107
17,517
24,061
32,410 44,229
60,196
82,422
1,15,888
1,47,153 27%
39%
Income from operations
1,406
2,172
3.110
4,073
5,418
7,333
9,989
12,757 18,500
26,386 43%
39%
Interest expenses
371
746
1,206
1,573
2,248
2,927
3,803
4,614 6,623
9,473
43%
43%
Net Interest Income (NII)
1,035
1,426
1,904
2,500
3,170
4,406
6,186
8,143
11,877
16,913 42%
36%
Operating Expenses
460
670
850
1,151
1,428
1,898
2,564
3,270
4,197
5,662 35%
32%
Loan Losses & Provision (ECL)
205
154
182
258
385
543
804
1,030
1,501
3,929 162%
39%
Profit before tax
370
602
872
1,091
1,357
1.965
2,818
3,843
6,179
7,322 18%
39%
Profit after tax
247
406
591
719
898
1,279
1,837
2,496
3,995
5,264
32%
40%
Ratios
FY11
FY12
FY13
FY14
FY15
FY16
FY17
FY18
FY19
FY20
Opex to NII
44.4%
47.0% 44.6%
46.0%
45.0%
43.1%
41.4%
40.2%
35.3%
33.5%
Return on assets
Return on equity
Net NPA *
NPA provisioning coverage
4.4% 4.2%
19.7% 24.0% 21.9%
0.80% 0.12% 0.19%
79%
83%
4.1%
3.6%
3.3%
3.5%
3.7%
3.7%
4.2%
4.1%
19.5%
0.28%
20.4%
20.9%
21.6%
20.1%
22.5%
20.2%
0.45% 0.28%
0.44%
0.43%
0.63%
0.65%
89%
76%
71%
77%
74%
70%
60%
60%
All figures till including FY17 are as per previous GAAP, whereas for FY18 onwards are as per IndAS
*
As per the RBI regulations, NNPA numbers for upto FY15 are at 6 months overdue, FY16 are at 5 months overdue, FY17 are at 4 months overdue and FY18 onwards are at 3 months overdue. Hence NPA
across periods are not comparable.
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