Bajaj Finance Limited Pitch Deck
Lead financial indicators
18. On portfolio credit quality, 10 portfolios are green and 1 is yellow (two and three-wheeler).
BAJAJ FINANCE LIMITED
19. Consolidated post tax profit grew by 80% to $ 323 MM in Q4 FY22 as compared to $ 180 MM in Q4 FY21.
20. Capital adequacy remained strong at 27.22% as of 31 March 2022. Tier-1 capital was 24.75%.
21. The Board of Directors has recommended a dividend of $ 0.27 per equity share of the face value of $ 0.03 (1000%) for
FY22. This amounts to 19.07% of the Company's standalone profit for FY22 and is in line with the Company's dividend
distribution policy.
22. On 15 February 2022, RBI allowed deferment till 30 September 2022 of Para 10 of its earlier circular dated 12 November
2021 pertaining to upgradation of NPA accounts only on receipt of entire overdue of the customer. As a matter of
prudence, the Company has not opted for this deferment.
Bajaj Housing Finance Limited (BHFL)
23. BHFL AUM grew by 37% to $ 7,110 MM as of 31 March 2022. The Company crossed a significant milestone of 50K crore ($
6,667 MM) AUM during Q4 FY22.
24. In Q4, Net Interest Income grew by 22% to $ 60 MM from $ 49 MM in Q4 FY21.
25. In Q4, Opex to NII stood at 32.5% as against 26.6% in Q4 FY21. Since Q3, BHFL has accelerated its investment in geographic
expansion and deepening of organization structures for next level of growth.
26. In Q4, loan losses and provisions were $ 5.1 MM as against $ 4 MM in Q4 FY21. BHFL has maintained its management overlay
provision at $ 28 MM as of 31 March 2022.
27. GNPA & NNPA stood at 0.31% and 0.14% as of 31 March 2022 as against 0.35% and 0.18% as of 31 December 2021.
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