Investor Presentaiton
Financial statement summary - Bajaj Housing Finance Ltd.
BAJAJ FINANCE LIMITED
Values in MM
USD 1 = 74 INR
Financials snapshot
Assets under management
Q4 FY21
5,253
Q4 FY20
YOY
FY21
FY20
YOY
4,420
19%
5,253
4,420
19%
Assets under finance
4,516
3,780
19%
4,516
3,780
19%
Interest income
100
93
8%
389
311
25%
Fee and other income
12
8
52%
29
36
(19%)
Net gain on fair value changes on Investments
1
4
(69%)
8
10
(19%)
Total Income
114
105
9%
426
358
19%
Interest expenses
64
66
(4%)
266
218
22%
Net Interest Income
Operating Expenses
Loan losses and provisions
50
38
30%
161
139
15%
13
10
36%
44
46
(3%)
4
12
(66%)
33
17
99%
3
1
33
24
ECL stage 1 & 2
ECL stage 3 & write off
Profit before tax
Profit after tax
Ratios
Operating expense to Net Interest Income
26.6%
25.4%
27.7%
32.9%
Loan loss to Average AUF*
0.09%
0.33%
0.80%
0.55%
Return on Average Assets*
0.6%
0.3%
1.5%
1.9%
Return on Average Equity*
Not annualized
3.0%
1.9%
7.8%
9.1%
30
9
(72%)
27
16
12
362
(45%)
6
25
12
131%
26%
98%
83
97%
61
75
77
8%
57
8%View entire presentation