Investor Presentaiton
Behaviouralized ALM as of 31 Dec 2023 - BFL
BAJAJ FINANCE LIMITED
in Crore
Particulars,
1-7 D
8-14 D 15-30 D
>1-2 M
>2-3 M
>3-6 M
>6 M-1 Y
>1-3 Y
>3-5 Y
>5 Y
Total
Cash & Investments
13,823
399
2,828
18
235
2,260
841
Advances
7,871
2,381
5,026
10,899
Other inflows
8,372
185
522
502
Total Inflows (A)
30,066
Cumulative Total Inflows (B)
Borrowings
12,477
2,965 8,376
30,066 33,031 41,407
4,107 3,535
Capital Reserves and Surplus
Other Outflows
2,448
474
1,935
Total Outflows (C)
14,925
4,580
5,470
1,646
12,257
3,449
10,146 35,829
9,521 24,182 34,157 84,043 30,722 25,551 2,34,352
293
702
61
931
191
4,031 15,791
11,419 10,048 27,145 35,059 88,423 32,743 39,729 2,85,972
52,826 62,874 90,019 1,25,078 2,13,501 2,46,244 2,85,972
10,611 12,280 16,618 29,121 63,941 34,098 22,356 2,09,144
68,464 68,464
388
349
204
672 8,365
29,509 64,289 34,301 91,492 2,85,972
1,829
Cumulative Total Outflows (D)
14,925
19,505
24,975
37,232
Mismatch (E = A - C)
15,141
(1,615)
2,906
Cumulative mismatch (F = B-D)
15,141
13,526 16,432
(838)
15,593
128
122
12,408 16,740
49,641 66,381 95,890 1,60,179 1,94,480 2,85,972
(2,360) 10,405 5,550 24.133 (1,558) (51,763)
13,233 23,638 29,188 53,322 51,763
Cumulative mismatch as %
101%
69%
66%
42%
27%
36%
30%
33%
27%
0%
(F/D)
Permissible cumulative gap %
(10%)
(10%)
(20%)
Additional borrowings possible
26,783
In Q3, daily average LCR was 249% as against regulatory requirement of 85%
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