VSE Capital Markets

Quarterly Result

Bajaj Finance Ltd

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

Particulars	Mar 2022(₹ Cr)	Dec 2021(₹ Cr)	Sep 2021(₹ Cr)	Jun 2021(₹ Cr)	Mar 2021(₹ Cr)	Dec 2020(₹ Cr)
Operating Income	7337.05	7228.59	6595.13	5811.68	5934.17	5803.89
Other Operating Income	280.03	294.48	213.10	104.22	72.01	41.52
Other Income	3.11	2.48	0.55	1.06	4.16	2.26
Total Income	7620.19	7525.55	6808.78	5916.96	6010.34	5847.67
Interest	1947.80	1972.10	1889.33	1763.90	1723.27	1870.24
Employee Expenses	905.00	920.13	848.08	548.69	686.21	612.43
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	948.10	940.04	976.90	648.07	743.54	625.03
TOTAL OPERATING EXPENDITURE	3800.90	3832.27	3714.31	2960.66	3153.02	3107.70
Operating Profit Before Prov. & Cont.	3819.29	3693.28	3094.47	2956.30	2857.32	2739.97
Provisions & Write Offs	663.73	994.64	1239.29	1724.40	1200.81	1244.95
Depreciation	96.10	88.80	87.56	82.43	84.91	73.25
TOTAL EXPENDITURE	4560.73	4915.71	5041.16	4767.49	4438.74	4425.90
Tax	751.50	559.00	377.00	554.50	167.00	34.50
Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax	40.01	116.99	84.85	-247.95	243.75	338.69
Reported Profit After Tax	2267.95	1933.85	1305.77	842.92	1160.85	1048.58
Extra-ordinary Items	0.00	0.00	0.00	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	2267.95	1933.85	1305.77	842.92	1160.85	1048.58

EPS (Unit Curr.)	37.60	32.08	21.67	14.00	19.31	17.45
EPS (Adj) (Unit Curr.)	37.60	32.08	21.67	14.00	19.31	17.45
Calculated EPS (Unit Curr.)	37.59	32.07	21.67	14.00	19.30	17.45
Calculated EPS (Adj) (Unit Curr.)	37.59	32.07	21.67	14.00	19.30	17.45
Calculated EPS (Ann.) (Unit Curr.)	150.37	128.28	86.68	55.98	77.18	69.80
Calculated EPS (Adj) (Ann.) (Unit Curr.)	150.37	128.28	86.68	55.98	77.18	69.80
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	120.66	120.60	120.51	120.46	120.32	120.18
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(%)	69.56	64.61	56.78	51.55	56.95	57.98
PBDTM(%)	43.01	37.33	28.13	21.20	27.91	25.76
PATM(%)	30.91	26.75	19.80	14.50	19.56	18.07

Net Interest Income	5672.00	5553.00	4920.00	4153.00	4287.00	3977.00
Operating Expenses	0.00	0.00	0.00	0.00	0.00	0.00
Loan Losses & Provision	664.00	0.00	0.00	0.00	1201.00	0.00
Assets Under Management	146743.00	132913.00	123281.00	119567.00	115418.00	109598.00

Return on Equity(%)	5.50	5.00	3.50	2.30	3.30	3.10
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(%)	58.00	56.00	55.00	0.00	58.00	58.00
Capital Adequacy Ratio	27.22	26.96	27.70	28.57	28.34	28.20
Tier I Capital	24.75	24.44	24.90	25.41	25.10	24.70
Tier II Capital	2.47	2.52	2.80	3.16	3.24	3.50

Gross Non Performing Assets	0.00	0.00	0.00	0.00	2611.65	0.00
Net Non Performing Assets	0.00	0.00	0.00	0.00	1061.96	0.00
(%) Gross Non Performing Assets	2.02	1.73	2.45	2.96	1.79	2.86
(%) Net Non Performing Assets	0.85	0.78	1.10	1.46	0.75	1.22
Return on Assets(Annualised)	0.00	0.00	0.00	0.00	0.00	0.00
Return on Assets	1.60	1.50	1.10	0.70	1.10	1.00
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
Dividend Per Share(Rs)	0.00	0.00	0.00	0.00	0.00	0.00
Diluted EPS	37.36	31.86	21.53	13.91	19.17	17.33

3rd Floor,Fortune Tower,Sayajigunj, Vadodara 390020, Gujarat, India

Telephone: +91 265 2361534

Customer Care Number: +91 265 2361474

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