VSE Capital Markets

Quarterly Result

Bajaj Finance Ltd

NSE : BAJFINANCEBSE : 500034ISIN CODE : INE296A01024Industry : Finance & Investments

Particulars	Dec 2019(₹ Cr)	Sep 2019(₹ Cr)	Jun 2019(₹ Cr)	Mar 2019(₹ Cr)	Dec 2018(₹ Cr)	Sep 2018(₹ Cr)
Operating Income	6303.56	5696.63	5297.78	4886.54	4657.90	4049.11
Other Operating Income	0.00	0.00	0.00	0.00	0.00	0.00
Other Income	14.94	1.07	7.03	1.22	6.64	11.91
Total Income	6318.50	5697.70	5304.81	4887.76	4664.54	4061.02
Interest	2051.64	1952.38	1797.19	1644.22	1578.64	1426.36
Employee Expenses	650.56	560.67	522.84	480.96	453.03	398.85
Selling & Administrative Expenses	0.00	0.00	0.00	0.00	0.00	0.00
Impairment of Assets	0.00	0.00	0.00	0.00	0.00	0.00
Loss on Forex Transaction	0.00	0.00	0.00	0.00	0.00	0.00
Other Expenses	730.37	679.58	642.50	597.36	565.68	465.39
TOTAL OPERATING EXPENDITURE	3432.57	3192.63	2962.53	2722.54	2597.35	2290.60
Operating Profit Before Prov. & Cont.	2885.93	2505.07	2342.28	2165.22	2067.19	1770.42
Provisions & Write Offs	816.96	581.25	541.77	400.71	444.60	309.93
Depreciation	69.72	63.79	56.47	38.93	37.89	31.85
TOTAL EXPENDITURE	4319.25	3837.67	3560.77	3162.18	3079.84	2632.38
Tax	535.00	287.00	778.00	595.88	557.12	476.26
Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax	-23.90	196.36	-158.69	16.11	4.85	32.10
Reported Profit After Tax	1488.15	1376.67	1124.73	1113.59	1022.73	920.28
Extra-ordinary Items	0.00	0.00	0.00	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	1488.15	1376.67	1124.73	1113.59	1022.73	920.28

EPS (Unit Curr.)	25.19	23.83	19.49	19.31	17.74	15.97
EPS (Adj) (Unit Curr.)	25.19	23.83	19.49	19.31	17.74	15.97
Calculated EPS (Unit Curr.)	24.81	23.83	19.48	19.30	17.74	15.96
Calculated EPS (Adj) (Unit Curr.)	24.81	23.83	19.48	19.30	17.74	15.96
Calculated EPS (Ann.) (Unit Curr.)	99.23	95.31	77.91	77.22	70.96	63.86
Calculated EPS (Adj) (Ann.) (Unit Curr.)	99.23	95.31	77.91	77.22	70.96	63.86
Book Value (Unit Curr.)	0.00	0.00	0.00	0.00	0.00	0.00
Dividend (%)	0.00	0.00	0.00	0.00	0.00	0.00
Equity	119.97	115.55	115.49	115.37	115.31	115.29
Reserve & Surplus	0.00	0.00	0.00	0.00	0.00	0.00
Face Value	2.00	2.00	2.00	2.00	2.00	2.00

Public Shareholding (No. Of Shares)	0.00	0.00	0.00	0.00	0.00	0.00
Public Shareholding (% in Equity)	0.00	0.00	0.00	0.00	0.00	0.00

Pledged/Encumbered - No. of Shares	0.00	0.00	0.00	0.00	0.00	0.00
Pledged/Encumbered - % in Total Promoters Holding	0.00	0.00	0.00	0.00	0.00	0.00
Pledged/Encumbered - % in Total Equity	0.00	0.00	0.00	0.00	0.00	0.00

Non Encumbered - No. of Shares	0.00	0.00	0.00	0.00	0.00	0.00
Non Encumbered - % in Total Promoters Holding	0.00	0.00	0.00	0.00	0.00	0.00
Non Encumbered - % in Total Equity	0.00	0.00	0.00	0.00	0.00	0.00

PBIDTM(%)	65.37	68.04	67.91	69.76	68.73	71.30
PBDTM(%)	32.82	33.77	33.99	36.11	34.84	36.07
PATM(%)	23.61	24.17	21.23	22.79	21.96	22.73

Net Interest Income	4267.00	0.00	3508.00	3244.00	3086.00	2665.00
Operating Expenses	0.00	0.00	0.00	0.00	0.00	0.00
Loan Losses & Provision	0.00	0.00	0.00	0.00	0.00	0.00
Assets Under Management	116460.00	110946.00	107949.00	98671.00	93903.00	89876.00

Return on Equity(%)	0.00	0.00	0.00	0.00	0.00	0.00
Operating Expenses to Net Interest Income(%)	0.00	0.00	0.00	0.00	0.00	0.00
Cost to Income Ratio	0.00	0.00	0.00	0.00	0.00	0.00
Loan Loss Provision Ratio	0.00	0.00	0.00	0.00	0.00	0.00
Loans Spreads(%)	0.00	0.00	0.00	0.00	0.00	0.00
Net Interest Margin(%)	0.00	0.00	0.00	0.00	0.00	0.00
Provision Coverage Ratio(%)	0.00	0.00	0.00	60.00	0.00	65.00
Capital Adequacy Ratio	0.00	0.00	0.00	20.70	21.38	22.13
Tier I Capital	0.00	0.00	0.00	16.30	16.80	17.17
Tier II Capital	0.00	0.00	0.00	4.40	4.58	4.96

Gross Non Performing Assets	0.00	0.00	0.00	0.00	0.00	0.00
Net Non Performing Assets	0.00	0.00	0.00	0.00	0.00	0.00
(%) Gross Non Performing Assets	0.00	1.93	0.00	1.80	1.78	1.49
(%) Net Non Performing Assets	0.00	0.78	0.00	0.73	0.71	0.00
Return on Assets(Annualised)	0.00	0.00	0.00	0.00	0.00	0.00
Return on Assets	0.00	0.00	0.00	0.00	0.00	0.00
Loans Disbursed(Amt Rs cr)	0.00	0.00	0.00	0.00	0.00	0.00
Loans Sanctioned/Approved(Amt Rs cr)	0.00	0.00	0.00	0.00	0.00	0.00
Loan Book(Amt Rs cr)	0.00	0.00	0.00	0.00	0.00	0.00

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