BHFL Strengths and Mortgage Products Overview
Behaviouralized ALM snapshot (as of 31 Mar'21)
B
BAJAJ
FINSERV
in Crore
Particulars
Cash & Investments
Advances
1D 7D 7D-14D 15D 30D >1-2M
>2-3M
>3 6M >6M 1Y >1Y-3Y >3Y-5Y >5Y-7Y >7Y-10 Y
> 10 Y
Total
2,969
255
759
0
3,983
397
173
404
763
738
Other inflows
77
77
826
1,507
1,258 1,024
Total Inflows (A)
3,443
505
1,231
3,029
1,996
3,116
2,092 3,717
224
3,941
10,466
6,082 3,688
2,925
1,974
33,419
834
11,300
967
349
236
791
8,168
Cumulative Total Inflows (B)
3,443
3,947
5,178
8,207
10,203
13,319
17,260
7,049
28,559 35,60 8 39,644
4,036
3,161
2,765 45,570
42,805 45,570
Borrowings
1,291
664
1,886
1,466
1,450
4,476
14,168
5,861 1,904
1,799 34,965
Capital Reserves and Surplus
6.032
6,032
Other Outflows
287
277
550
292
171
441
29
Total Outflows (C)
1.578
277
1,214
2,178
1,637
1,891
Cumulative Total Outflows (D)
1,578
1,855 3,069
5,247
6,884
8,776
13,280
9
4,505 14,177 5,872
27,458 33,330 35,236
11
3
2,500
2
4,573
1,906
2,500
7,834
45,570
37,736
45,570
Mismatch (E = A - C)
1,865
228
16
851
358
Cumulative mismatch (F = B-D)
1,865
2,093 2,109
2,960
3,319
4,543 3,979
1,224 (564) (2,877)
1,102
1,176 2,130
2,278 4.408 5,069
661
(5,069)
Cumulative mismatch as %
(F/D)
118%
113%
69%
56%
48%
52%
30%
4%
7%
13%
13%
0%
Permissible cumulative gap %
-10%
-10%
-20%
Additional borrowings possible
■ 3,397
-15%
3,629
As per previous GAAP
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