Investor Presentaiton
BHFL Way Forward
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)
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Capital adequacy
Maintain CRAR of over >17% against
regulatory norm of 15%
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BAJAJ
FINSERV
Profitability & Risk metrics
ROE: 13-15%
ā
ROA: 1.7%-2.0%
GNPA: 0.6% -0.8%
Granular Portfolio
Continue to focus on mass affluent
customers as core target segment
Continue to focus on ATS of 30 - 100 lakh in
retail
Operating efficiency
Continued focus towards OPEX management
through cost out & process efficiencies
Diversified Borrowings
Maintain optimal borrowing mix of bank lines
and money market with focus on increasing
money market borrowings
Add new lines through refinance in FY23 and
sub-debt
Assignment -15-20%
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