VSE Capital Markets

Quarterly Result

Bajaj Finance Ltd

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

Particulars	Sep 2019(₹ Cr)	Jun 2019(₹ Cr)	Mar 2019(₹ Cr)	Dec 2018(₹ Cr)	Sep 2018(₹ Cr)	Jun 2018(₹ Cr)
Operating Income	5696.63	5297.78	4886.54	4657.89	4049.11	3790.42
Other Operating Income	0.00	0.00	0.00	0.00	0.00	0.00
Other Income	1.07	7.03	1.22	2.22	11.91	1.53
Total Income	5697.70	5304.81	4887.76	4660.11	4061.02	3791.95
Interest	1952.38	1797.19	1644.22	1578.64	1426.36	1289.63
Employee Expenses	560.67	522.84	480.96	453.04	398.85	388.32
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	679.58	642.50	597.36	561.24	465.39	467.88
TOTAL OPERATING EXPENDITURE	3192.63	2962.53	2722.54	2592.92	2290.60	2145.83
Operating Profit Before Prov. & Cont.	2505.07	2342.28	2165.22	2067.19	1770.42	1646.12
Provisions & Write Offs	581.25	541.77	400.71	444.60	309.93	321.05
Depreciation	63.79	56.47	38.93	37.89	31.85	28.70
TOTAL EXPENDITURE	3837.67	3560.77	3162.18	3075.41	2632.38	2495.58
Tax	287.00	778.00	595.88	557.12	476.26	414.47
Fringe Benefit Tax	0.00	0.00	0.00	0.00	0.00	0.00
Deferred Tax	196.36	-158.69	16.11	4.85	32.10	48.17
Reported Profit After Tax	1376.67	1124.73	1113.59	1022.73	920.28	833.73
Extra-ordinary Items	0.00	0.00	0.00	0.00	0.00	0.00
Adjusted Profit After Extra-ordinary item	1376.67	1124.73	1113.59	1022.73	920.28	833.73

EPS (Unit Curr.)	23.83	19.49	19.31	17.74	15.97	14.49
EPS (Adj) (Unit Curr.)	23.83	19.49	19.31	17.74	15.97	14.49
Calculated EPS (Unit Curr.)	23.83	19.48	19.30	17.74	15.96	14.48
Calculated EPS (Adj) (Unit Curr.)	23.83	19.48	19.30	17.74	15.96	14.48
Calculated EPS (Ann.) (Unit Curr.)	95.31	77.91	77.22	70.96	63.86	57.92
Calculated EPS (Adj) (Ann.) (Unit Curr.)	95.31	77.91	77.22	70.96	63.86	57.92
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	115.55	115.49	115.37	115.31	115.29	115.16
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(%)	68.04	67.91	69.76	68.73	71.30	68.98
PBDTM(%)	33.77	33.99	36.11	34.84	36.07	34.96
PATM(%)	24.17	21.23	22.79	21.96	22.73	22.00

Net Interest Income	0.00	3508.00	3244.00	3094.00	2665.00	2502.00
Operating Expenses	0.00	0.00	0.00	0.00	0.00	885.00
Loan Losses & Provision	0.00	0.00	0.00	0.00	0.00	321.00
Assets Under Management	110946.00	107949.00	98671.00	96248.00	89876.00	86042.00

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	60.00	0.00	65.00	69.00
Capital Adequacy Ratio	0.00	0.00	20.70	21.38	22.13	23.04
Tier I Capital	0.00	0.00	16.30	16.80	17.17	17.92
Tier II Capital	0.00	0.00	4.40	4.58	4.96	5.12

Gross Non Performing Assets	0.00	0.00	0.00	0.00	0.00	1280.00
Net Non Performing Assets	0.00	0.00	0.00	0.00	0.00	378.00
(%) Gross Non Performing Assets	1.93	0.00	1.80	1.78	1.49	1.39
(%) Net Non Performing Assets	0.78	0.00	0.73	0.71	0.00	0.44
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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