LRS 2023-27 Execution Plan
15-years financial snapshot
BAJAJ FINANCE LIMITED
in crore
Financials snapshot
@
FY08
FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17
FY18
FY19
FY20
FY21
FY22
CAGR
(15 yrs.)
AUM
Income from operations
503
Interest expenses
170
164
Net Interest Income (NII)
332
435
715
2,478 2,539 4,032 7,573 13,107 17,517 24,061 32,410 44,229 60,196 82,422
599 916 1,406 2,172 3,110 4,073 5,418 7,333 9,989 12,757
201 371 746 1,206 1,573 2,248 2,927 3,803
1,035 1,426 1,904 2,500
4,614
1,15,888 1,47,153
18,500 26,386
6,623 9,473
152,947 1,97,452 37%
3,170 4,406 6,186
8,143
11,877
16,913
26,683 31,648 34%
9,414 9,748 34%
17,269 21,900 35%
Operating Expenses
193
220
320
460
670
Loan Losses & Provision
109
164
261
205
154
182
850 1,151 1,428
258 385
1,898
2,564
3,270
4,197
5,662
5,308
7,593
30%
543
804
1,030
1,501
3,929
5,969 4,803
31%
Profit before tax
30
51
134
370
602
872
Profit after tax
21
34
89
247 406
591
719
1,091 1,357 1,965 2,818
898 1,279 1,837
3,843
6,179
7,322
5,992 9,504
51%
2,496
3,995
5,264
4,420 7,028
51%
Ratios
Opex to NII
Return on assets
Return on equity
Net NPA *
Provision coverage ratio
CRAR (standalone)
Leverage ratio
FY08 FY09 FY10 FY11 FY12 FY13 FY14
FY16 FY17
58.1% 50.6% 44.8% 44.4% 47.0% 44.6% 46.0% 45.0% 43.1% 41.4%
0.7% 1.4% 2.8% 4.4% 4.2% 4.1% 3.6% 3.3% 3.5% 3.7%
2.0% 3.2% 8% 19.7% 24.0% 21.9% 19.5% 20.4% 20.9% 21.6%
7% 5.50% 2.20% 0.80% 0.12% 0.19% 0.28% 0.45% 0.28% 0.44%
30% 32% 55% 79% 89% 83% 76% 71% 77% 74%
40.7% 38.4% 25.9% 20.0% 17.5% 21.9% 19.1% 18.0% 19.5% 20.3%
2.6 2.5 3.8 5.9
6.4
5.3 6.2 6.8 6.3 6.6
FY15
FY18
40.2%
FY19
FY20
35.3%
33.5%
FY21
30.7% 34.7%
FY22
3.7%
4.2%
4.1%
3.1%
4.2%
20.1%
22.5%
20.2%
12.8%
17.4%
0.43%
0.63%
0.65%
0.75% 0.68%
70%
24.7%
5.4
60%
20.7%
6.3
60%
25.0%
58%
28.3%
58%
27.2%
5.1
4.7
4.9
@ All figures till FY17 are as per previous GAAP on standalone basis. All figures from FY18 onwards are as per Ind AS and on consolidated basis.
*
As per the RBI regulations, NNPA numbers up to 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.
33View entire presentation