Executive Summary Q3 FY21 slide image

Executive Summary Q3 FY21

Financial statement summary - Bajaj Finance Limited B BAJAJ FINSERV in Crore Financials snapshot Q3 FY21 Q3 FY20 Y-o-Y 9 M FY21 9 M FY20 Y-o-Y FY20 Assets under management 109,598 116,460 (6%) 109,598 116,460 (6%) 116,102 Assets under finance 107,056 113,601 (6%) 107,056 113,601 (6%) 113,417 Interest income 4,973 5,486 (9%) 15,141 15,052 1% 20,668 Fee and other income 745 709 5% 1,908 1,952 (2%) 2,706 Net gain on fair value changes on investment 129 121 7% 487 315 55% 460 Total Income 5,847 6,316 (7%) 17,536 17,319 1% 23,834 Interest expenses 1,870 2,051 (9%) 5,723 5,801 (1%) 7,857 Net Interest Income 3,977 4,265 (7%) 11,813 11,518 3% 15,977 Operating Expenses 1,310 1,449 (10%) 3,502 3,975 (12%) 5,364 Loan losses and provisions 1.245 817 52% 4,520 1,940 133% 3,805 ECL stage 1 & 2 (2,463) 198 (1344%) 229 445 (49%) 1,233 ECL stage 3 & write off 3,708 619 499% 4,291 1,495 187% 2,572 Profit before tax 1,422 1,999 (29%) 3,791 5,603 (32%) 6,808 Profit after tax 1,049 1,488 (30%) 2,795 3,990 (30%) 4,881 Ratios Operating expense to Net Interest Income 32.9% 34.0% 29.6% 34.5% 33.6% Loan loss to Average AUF* 1.19% 0.74% 4.10% 1.86% 3.65% Return on Average Assets* 1.0% 1.3% 2.5% 3.8% 4.7% Return on Average Equity* * Not annualized 3.1% 5.6% 8.4% 15.5% 19.0% 27
View entire presentation