Investor Presentaiton
Executive summary FY22 - Consolidated
B
BAJAJ
FINSERV
Balance Sheet and Franchise:
1. New loans booked increased by 46% to 24.68 MM as of 31 March 2022 as against 16.88 MM as of 31 March 2021.
2. Customer franchise increased by 19% to 57.57 MM as of 31 March 2022 as against 48.57 MM as of 31 March 2021.
Operating Efficiencies
3. Net Interest Income for FY22 was up by 27% to 21,892 crore as against 17,269 crore in FY21.
4. Opex to NII for FY22 was 34.6% as against 30.7% in FY21.
Credit Cost
5. Loan losses and provisions (expected credit loss) for FY22 stood at 4,803 crore as against 5,969 crore in FY21. In FY22,
loan loss to average receivables was 2.84%. The Company has a management overlay provision of ₹1,060 crore as of 31
March 2022.
Profitability and Capital
6. Profit after tax for FY22 grew 59% to 7,028 crore as against 4,420 crore in FY21.
7. Capital adequacy ratio (including Tier-Il capital) as of 31 March 2022 stood at 27.22%. Tier-1 capital stood at 24.75%.
Consolidated leverage was 4.9X. The Company remains one of the most capitalised companies in financial sector amongst
large companies.
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