Investor Presentaiton
Financials
BAJAJ
B FINSERV
in Crore
Financials snapshot
Q1 FY23
Q1 FY22
YOY
FY22
FY21
YoY
Assets under management
57,425
40,941
40%
53,322
38,871
37%
Assets under finance
50,039
35,762
40%
46,482
33,419
39%
Interest income
1,072
777
38%
I
3,482
2,877
21%
Fee and other income
136
29
369% I
226
218
4%
I
Net gain on fair value changes on investment
15
16
(6%)
59
60
(2%)
Total Income
1,223
822
49%
3,767
3,155
19%
Interest expenses
629
487
29%
2,155
1,966
10%
Net Interest Income
594
335
77%
1,612
1,189
36%
Operating Expenses
159
91
75%
471
329
43%
Loan losses and provisions
7
26
(73%)
181
247
(27%)
7
428
316
ECL stage 1 & 2
ECL stage 3 & write off
Profit before tax
Profit after tax
Ratios
Operating expenses to Net Interest Income
26.8%
27.2%
29.2%
27.7%
I
Loan loss to average AUF*
0.06%
0.30%
I
0.45%
0.80%
Return on Average Assets*
Return on Average Equity
* annualized
2.62%
1.86%
I
1.78%
1.48%
*
15.51%
10.51%
11.11%
7.80%
I
14
6
(100%)
I
77
199
(61%)
20
(65%)
104
48
117%
218
96%
960
613
57%
161
96%
710
453
57%View entire presentation