Q3 FY22 Earnings Report
Financial statement summary - Bajaj Housing Finance Ltd. BAJAJ FINANCE LIMITED
in Crore
Financials snapshot
Q3 FY22
Q3 FY21
Y-o-Y
9 M FY22
9 M FY21
Y-o-Y
FY21
Assets under management
49,203
35,492
39%
49,203
35,492
39%
38,871
Assets under finance
43.479
30,772
41%
43.479
30.772
41%
33,419
Interest income
907
747
21%
2,520
2,134
18%
I
2.877
Fee and other income
65
65
146
130
12%
218
|
Net gain on fair value changes on investment
14
9
56%
43
51
(16%)
60
Total Income
986
821
20%
2,709
2,315
17%
3,155
Interest expenses
557
492
13%
1,549
1,495
4%
1,966
Net Interest Income
429
329
30%
1,160
820
41%
1,189
Operating Expenses
123
87
41%
325
231
41%
329
Loan losses and provisions
56
107
(48%)
143
217
(34%)
247
ECL stage 1 & 2
29
72
(60%)
48
180
(73%)
199
I
ECL stage 3 & write off
27
35
(23%)
95
37
157%
48
Profit before tax
250
135
85%
692
372
86%
613
Profit after tax
185
99
87%
512
274
87%
453
Ratios
Operating expenses to Net Interest Income
28.7%
26.4%
28.0%
28.2%
27.7%
Loan loss to average AUF*
0.14%
0.36%
0.37%
0.74%
I
0.80%
|
I
Earning per share Basic (*) *
0.38
0.20
|
1.05
0.56
0.93
I
Return on Average Assets*
0.4%
0.3%
1.3%
0.9%
I
1.5%
Return on Average Equity *
2.9%
1.7%
8.1%
4.8%
I
7.8%
36
*
Not annualizedView entire presentation