Bajaj Finserv Limited · NSE:BAJAJFINSV
Bajaj Finserv — Bajaj Finance — Q4 FY2011 Earnings Presentation
11 slides from Bajaj Finserv's earnings presentation, May 17, 2011
Slide 1: Bajaj Finance Limited Q4'11 Presentation
Bajaj Finance Limited Q4’11 Presentation May 17’ 2011 1
Slide 2: Q4'11 Overview
Q4’11 Overview • An excellent quarter aided by strong volume growth in Consumer and Small business lines. Strong momentum across all 06 product lines. • The company acquired 3,70,000 customers in Q4, a growth of 42% QoQ. Total disbursals grew to 2487 Crores, a growth of 88%. • Continued improvement
Slide 3: Summary financial statement
Summary financial statement Rs. In crores Financials snapshot CAGR 07-08 08-09 09-10 10-11 Deployments 3036 2451 4585 9435 46% Assets under finance 2478 2539 4032 7270 43% Assets under management (AUM) 2478 2539 4032 7571 45% Income from operations 503 599 916 1406 41% Interest expenses 170 164 202
Slide 4: Financial performance trends FY-11
Financial performance trends FY-11 Customers acquired (Nos.‘000) 40 % Disbursements (`` crores) 106 % 2 Wheelers Others Total 1570 2 Wheelers Others Total 9435 1123 1018 4585 594 1048 681 3036 7401 621 2451 355 1552 3221 522 1668 397 442 239 1484 1364 2034 783 FY-08 FY-09 FY-10 FY-11 FY-08 FY-09 FY-
Slide 5: Financial performance trends FY-11
Financial performance trends FY-11 NII (`` crores) 44% Operating Expenses % of NII 1028 58% 51% 45% 44% 715 435 332 FY-08 FY-09 FY-10 FY-11 FY-08 FY-09 FY-10 FY-11 Loss provision (`` crores) 21% Net NPA & provisioning coverage 268 8% 79% 90% 7.0% 205 5.5% 55% 60% 164 4% 109 30% 32% 1.8% 30% 0.8% 0%
Slide 6: Financial performance trends FY-11
Financial performance trends FY-11 Pre-tax profit (`` crores) 176% ROTA 370 4.3% 2.8% 134 1.3% 0.9% 51 30 FY-08 FY-09 FY-10 FY-11 FY-08 FY-09 FY-10 FY-11 Capital adequacy Tier-I Earnings per share (``) 176% Tier-II 40.7% 67.47 38.4% Total CAR 25.9% 20.0% 40.7% 38.4% 3.2% 24.43 25.9% 9.27 16.8% 5.68
Slide 7: Quarter's financial statement
Quarter’s financial statement Rs. In crores Financials snapshot QoQ YoY Q4'11 Q4'10 FY'11 FY'10 Deployments 2487 1326 9435 4585 88% 106% Assets under finance 7270 4032 7270 4032 80% 80% Assets under management (AUM) 7571 4032 7571 4032 88% 88% Income from operations 395 257 1406 916 54% 53% Interest
Slide 8: Financial performance trends Q4'11
Financial performance trends Q4’11 Customers acquired (Nos.‘000) 42% QoQ Disbursements (`` crores) 88% QoQ 2 Wheelers Others Total 2 Wheelers Others Total 491 2774 391 2487 370 2128 317 2046 261 1326 345 143 266 194 242 2195 892 1577 1656 1973 118 125 123 146 128 579 434 469 472 514 Q4'10 Q1'11 Q2'1
Slide 9: Financial performance trends Q4'11
Financial performance trends Q4’11 NII (`` crores) 39% QoQ Operating Expenses % of NII 285 276 243 48% 43% 44% 224 41% 198 37% Q4'10 Q1'11 Q2'11 Q3'11 Q4'11 Q4'10 Q1'11 Q2'11 Q3'11 Q4'11 Loss provision (`` crores) 58% QoQ Net NPA & provisioning coverage 3% 79% 90% 89 75% 77% 2.2% 63% 61 62 2% 55% 1.
Slide 10: Financial performance trends Q4'11
Financial performance trends Q4’11 Pre-tax profit (`` crores) 200% QoQ ROTA (annualized) 4.8% 115 106 4.2% 4.0% 3.9% 78 71 2.7% 35 Q4'10 Q1'11 Q2'11 Q3'11 Q4'11 Q4'10 Q1'11 Q2'11 Q3'11 Q4'11 Capital adequacy Tier-I Earnings per share (``) 182 % QoQ Tier-II 25.9% 20.87 24.3% Total CAR 19.40 22.7% 2.3
Slide 11: Bajaj Finance Limited Q4'11 Presentation - Thank you
Bajaj Finance Limited Q4’11 Presentation May 17’ 2011 Thank you