Bajaj Finance Limited · NSE:BAJFINANCE
Bajaj Finance — Q2 FY23 Earnings Presentation
67 slides from Bajaj Finance's earnings presentation, Oct 20, 2022
Slide 1: Bajaj Finance Limited – Investor Presentation filing letter
BAJAJ FINANCE LIMITED 20 October 2022 THE MANAGER, THE MANAGER, BSE LIMITED LISTING DEPARTMENT DCS - CRD NATIONAL STOCK EXCHANGE OF INDIA PHIROZE JEEJEEBHOY TOWERS LTD. EXCHANGE PLAZA, C-1. BLOCK G, DALAL STREET, BANDRA - KURLA COMPLEX, BANDRA MUMBAI - 400 001 (EAST) MUMBAI - 400 051 SCRIP CODE: 500
Slide 2: Q2 FY23 Investor Presentation
Q2 FY23 Investor Presentation 20 October 2022
Slide 3: Presentation Path
Presentation Path Section 01 Section 03 Section 05 Section 07 Executive Financial Customer franchise Update on summary – Q2 performance – Q2 and distribution credit quality FY23 3 FY23 31 reach 42 48 Section 02 Section 04 Section 06 Bajaj Finance Asset liability Business segment wise Limited overvie
Slide 4: Section 01 – Executive summary Q2 FY23
1.1 Quarter gone by Section 01 Lead financial indicators Executive summary – Q2 1.2 FY23 1.3 Omnipresence strategy update 3
Slide 5: Executive summary
Executive summary An excellent first half for the Company across balance sheet growth, portfolio quality and profitability. Strong momentum across all lines of businesses with secular AUM growth in first half. Confident of strong FY 2023. Crossed 26 MM net users on the App. Phase 1 of Web 2.0 has go
Slide 6: Lead financial indicators
Lead financial indicators Consolidated performance 1. Strong AUM growth of ₹ 14,348 crore in Q2. AUM growth was secular across all lines of businesses 2. AUM was up 31% at ₹ 2,18,366 crore as against ₹ 1,66,937 crore as of 30 September 2021 3. In Q2, the Company booked 6.76 MM new loans as against 6
Slide 7: Lead financial indicators
Lead financial indicators 10. Deposits book stood at ₹ 39,422 crore as of 30 September 2022. In Q2, the net deposit growth was ₹ 5,320 crore. Deposits contributed 22% of consolidated borrowings as of 30 September 2022. The Company is on track to deliver its long-term goal of 25% of consolidated borr
Slide 8: Lead financial indicators
Lead financial indicators Bajaj Housing Finance Limited (BHFL) 20. AUM was up 42% at ₹ 62,931 crore as against ₹ 44,429 crore as of 30 September 2021. Home Loans AUM grew by 37%, Loan against property grew by 37%, Lease Rental Discounting grew by 72% and Developer Finance grew by 68% 21. In Q2, over
Slide 9: Lead financial indicators
Lead financial indicators 32. Overall stage 2 assets stood at ₹ 438 crore as of 30 September 2022 as against ₹ 492 crore as of 30 June 2022. Non overdue one-time resolution (OTR) assets classified as stage 2 as of 30 September 2022 stood at ₹ 219 crore 33. Overall stage 3 assets stood at ₹ 131 crore
Slide 10: Omnipresence strategy update
Omnipresence strategy update 9
Slide 11: Omnipresence strategy update
Omnipresence strategy update Geography – 99 new locations added 1. Total geographic footprint stood at 3,685 locations and 1,43,300+ distribution points. The Company added 99 new locations and 4,400+ distribution points App platform – On track to go fully digital across all products and services by
Slide 12: Omnipresence strategy update
Omnipresence strategy update Payments 7. All Phase 1 features of the Issuance stack are live on the app store. Sprint 1 of phase 2 with regulatory changes and new category additions like credit card is live on play store 8. Sprint 2 is on track to go live in Q3 FY23. This release will provide enhanc
Slide 13: Omnipresence strategy – disciplined execution, rapid adoption
Omnipresence strategy – disciplined execution, rapid adoption in all processes of the Company and continued progress on all metrics Particulars Unit Q4 FY22 Q1 FY23 Q2 FY23 FY23 estimates Geography New locations added – in the Qtr # 81 82 99 400-450 Locations - Cumulative # 3,504 3,586 3,685 3,900-3
Slide 14: Omnipresence strategy – disciplined execution, rapid adoption
Omnipresence strategy – disciplined execution, rapid adoption in all processes of the Company and continued progress on all metrics Particulars Unit Q4 FY22 Q1 FY23 Q2 FY23 FY23 estimates App business metrics Digital EMI card acquisition – In the Qtr # in ‘000 12 69 100 300-325 Personal loan disburs
Slide 15: Customer franchise - Key financial metrics
Customer franchise - Key financial metrics Particulars Unit FY17 FY18 FY19 FY20 FY21 FY22 H1 FY22 H1 FY23 New loans booked In MM 10.1 15.3 23.5 27.4 16.9 24.7 11.0 14.2 New customer addition In MM 4.1 6.1 8.3 8.1 6.0 9.0 4.2 5.3 Existing customer mix % 59.8% 60.3% 64.8% 70.4% 64.6% 63.5% 61.4% 62.3%
Slide 16: Section 02 – Bajaj Finance Limited overview
2.1 Bajaj group structure 2.2 What do we stand for 2.3 BFL - Consolidated long-term guidance on financial metrics Section 02 BHFL long-term guidance on 2.4 financial metrics Key strategic differentiators Bajaj Finance Limited 2.5 overview 2.6 Our shareholder profile 2.7 15-years financial snapshot 2
Slide 17: Bajaj group structure
Bajaj group structure Bajaj Holdings & Investment Ltd (BHIL) (Listed) 1 2 39.12% 34.10% Bajaj Auto Ltd Bajaj Finserv Ltd 2 (Listed) (Listed) Auto business arm Financial services arm 80.13% 100% 74% 74% 52.49% 3 Bajaj Finance Ltd Bajaj Allianz Life Bajaj Allianz Bajaj Finserv Direct Bajaj Finserv Hea
Slide 18: What do we stand for
What do we stand for “Non-bank with strategy & structure of a bank” “Focused on mass affluent & above clients with a strategy to cross sell” “Diversified financial services strategy with an optimal mix of risk and profit to deliver a sustainable business model” “Business construct to deliver a susta
Slide 19: BFL Consolidated long-term guidance on financial metrics
BFL Consolidated long-term guidance on financial metrics AUM growth Profit growth GNPA in corridor of in corridor of in corridor of 25%-27% 23%-24% 1.4%-1.7% NNPA Return on assets Return on equity in corridor of in corridor of in corridor of 0.4%-0.7% 4%-4.5% 19%-21% 18
Slide 20: BHFL long-term guidance on financial metrics
BHFL long-term guidance on financial metrics AUM growth Profit growth GNPA in corridor of in corridor of in corridor of 26%–28% 28%-30% 0.60%-0.80% NNPA Return on assets Return on equity in corridor of in corridor of in corridor of 0.30%-0.40% 1.7%-2.0% 13%-15% 19
Slide 21: Key strategic differentiators
Key strategic differentiators Part of the Bajaj group – one of the oldest & most A trusted brand with strong brand equity respected business houses Focus on mass affluent and above clients Total customer franchise of 62.91 MM Strong focus on cross selling assets, payments, Highly data oriented. Deep
Slide 22: Our shareholder profile
Our shareholder profile Top 20 investors & their holdings As on 30 As on 30 As on 30 S.No Name of Shareholder Sept 22 Jun 22 Sept 21 1 BAJAJ FINSERV LTD 52.49% 52.49% 52.65% 2 GOVERNMENT OF SINGAPORE 3.37% 3.29% 3.31% FII & FPI 3 MAHARASHTRA SCOOTERS LIMITED 3.13% 3.13% 3.14% 20.47% 4 SBI-ETF NIFTY
Slide 23: 15-years financial snapshot
15-years financial snapshot ₹ in crore CAGR Financials snapshot @ FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 (15 yrs.) AUM 2,478 2,539 4,032 7,573 13,107 17,517 24,061 32,410 44,229 60,196 82,422 1,15,888 1,47,153 152,947 1,97,452 37% Income from operations 503 599 91
Slide 24: Product suite
Product suite BAJAJ FINANCE LIMITED Partnerships Consumer SME Commercial Rural Deposits Payments & Services 1. Consumer Durable Loans 1. Unsecured 1. Loan against securities 1. Consumer Durable 1. Retail Term Issuance 1. Life Insurance Working Capital Loans Deposits 1. PPI Distribution 2. Digital Pr
Slide 25: Executive summary – Consolidated
Executive summary – Consolidated Overview • 35-year-old non-bank with a demonstrated track record of profitable growth • Diversified financial services company focused on Urban, Rural, SME, Commercial, Mortgages and Payments • Focused on mass affluent client with a strategy to cross sell • Strong fo
Slide 26: Executive summary – Bajaj Finance Limited
Executive summary – Bajaj Finance Limited Overview • Focused on Urban, Rural, SME, Commercial and Payments businesses • Strategic business unit organization design supported by horizontal common utility functions to drive domain expertise, scalability and operating leverage • Focused on cross sell,
Slide 27: Executive summary – Bajaj Finance Limited
Executive summary – Bajaj Finance Limited SME Business • Offers unsecured working capital loans to SME and self-employed professionals • Secured offerings include enterprise loans against property • Focused on accelerating used car financing business • Focused on affluent SMEs with established finan
Slide 28: Executive summary – Bajaj Housing Finance Ltd.
Executive summary – Bajaj Housing Finance Ltd. Overview • A 100% subsidiary of Bajaj Finance Limited • Independent organization design having all dedicated functions and units to drive domain expertise, scalability and operating leverage • Offers full range of mortgage products such as home loans, l
Slide 29: Executive summary – Bajaj Housing Finance Ltd.
Executive summary – Bajaj Housing Finance Ltd. Lease Rental • Offers LRD to high net-worth individuals and developers against commercial property leased to corporate lessees Discounting • Offers construction finance for commercial properties to existing LRD customers (LRD) • LRD transactions are bac
Slide 30: Executive summary – Bajaj Financial Securities Limited
Executive summary – Bajaj Financial Securities Limited Overview • A 100% subsidiary of Bajaj Finance Limited • Offers Capital Market products - Broking, Depositary services, Margin Trade Financing, Mutual Funds, IPOs and Distribution of PMS • Broking business caters to two different business segment
Slide 31: Executive summary – Bajaj Financial Securities Limited
Executive summary – Bajaj Financial Securities Limited Q2 capabilities Features added in Q2 FY23 were 45 update Gone live with below capabilities on web and mobile during Q2 FY23: • 2FA Authentication: Regulatory requirement to have two factor login authentication i.e. Knowledge and Possession. • DD
Slide 32: Section 03 – Financial performance Q2 FY23
Financial statement summary – 3.1 Consolidated Section 03 Financial statement summary – Financial performance 3.2 Bajaj Finance Limited Financial statement summary – 3.3 Bajaj Housing Finance Limited 31
Slide 33: Financial statement summary – Consolidated
Financial statement summary – Consolidated ₹ in Crore Financials snapshot Q2FY23 Q2 FY22 Y-o-Y H1 FY23 H1 FY22 Y-o-Y Assets under management 2,18,366 1,66,937 31% 2,18,366 1,66,937 31% Assets under finance 2,12,721 1,60,808 32% 2,12,721 1,60,808 32% Interest income 8,509 6,688 27% 16,430 12,644 30%
Slide 34: Financial statement summary – Bajaj Finance Ltd
Financial statement summary – Bajaj Finance Ltd ₹ in Crore Financials snapshot Q2FY23 Q2 FY22 Y-o-Y H1 FY23 H1 FY22 Y-o-Y Assets under management 1,59,452 1,23,281 29% 1,59,452 1,23,281 29% Assets under finance 1,57,293 1,21,244 30% 1,57,293 1,21,244 30% Interest income 7,227 5,843 24% 14,056 11,015
Slide 35: Financial statement summary – BHFL
Financial statement summary – BHFL ₹ in Crore Financials snapshot Q2FY23 Q2 FY22 Y-o-Y H1 FY23 H1 FY22 Y-o-Y Assets under management 62,931 44,429 42% 62,931 44,429 42% Assets under finance 54,939 39,130 40% 54,939 39,130 40% Interest income 1,249 837 49% 2,321 1,614 44% Fee and other income 67 50 3
Slide 36: Section 04 – Asset liability management
4.1 Conservative leverage standards – Bajaj Finance Limited 4.2 Resilient business model – Consolidated Section 04 Behaviouralized ALM – Bajaj Finance 4.3 Limited Asset liability management Behaviouralized ALM – Bajaj Housing 4.4 Finance Limited 4.5 Disciplined ALM Management – Bajaj Finance Limited
Slide 37: Conservative leverage standards
Conservative leverage standards 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 6.8 28.34% 6.6 6.3 27.22% 6.2 6.3 26.16% 24.7% 25.0% 25.10% 24.75% 25.13% 23.84% 5.4 5.1 23.14% 20.7% 4.9 4.8 4.9* 20.3% 21.3% 4.7 19.5% 19.7% 19.1% 18.0% 16.2% 16.1% 16.3% 14.2% 14.6% 5.7% 5.0% 4.4% 3.8% 3.4% 3.7% 3.24% 2.9
Slide 38: Resilient business model – Consolidated
Resilient business model – Consolidated 46.0% 46.5% 45.0% 43.1% 42.5% 41.4% 41.8% 38.4% 37.6% 36.0% 36.8% 35.3% 35.4% 34.6% 33.3% 35.9% 35.9% 29.9% 33.5% 30.7% 28.4% 27.2% 9.85% 9.87% 9.47% 9.00% 8.24% 8.27% 8.39% 7.84% 6.81% 6.64% 6.91% 5.3% 5.4% 3.6% 3.3% 3.5% 3.7% 3.9% 4.1% 4.1% 4.2% 3.1% Mar'14
Slide 39: Behaviouralized ALM as of 30 Sep 2022 – BFL
Behaviouralized ALM as of 30 Sep 2022 – BFL ₹ in Crore Particulars, 1-7 D 8-14 D 15-30 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 8,435 0 7 534 28 1,199 839 2,128 35 8,873 22,078 Advances 6,160 2,117 3,692 7,807 7,269 17,362 25,378 56,148 20,981 13,947 1,60,861 Other
Slide 40: Behaviouralized ALM as of 30 Sep 2022 – BHFL
Behaviouralized ALM as of 30 Sep 2022 – BHFL ₹ in Crore Particulars 1-7 D 8-14 D 15-30 D >1-2 M >2-3 M >3-6 M >6 M-1 Y >1-3 Y >3-5 Y >5 Y Total Cash & Investments 642 260 75 45 99 684 0 0 - - 1,805 Advances 614 344 456 1,001 977 2,752 4,823 14,344 9,221 20,408 54,939 Other inflows 5 3 1,056 1,271 1,
Slide 41: Disciplined ALM Management - BFL
Disciplined ALM Management - BFL Cumulative gap upto 1 month Cumulative gap upto 12 month 220% 216% 141% 137% 119% 120% 117% 96% 61% 80% 71% 51% 48% 57% 50% 54% 44% 31% 43% 43% 32% 4% Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'22 Jun'22 Sept'22 40
Slide 42: Consolidated liability mix
Consolidated liability mix 3% 4% 3% 3% 3% 5% 5% 4% 3% 10% 5% 8% 7% 13% 12% 13% 7% 9% 3% 2% 7% 3% 2% 2% 3% 6% 4% 33% 38% 25% 36% 35% 35% 40% 35% 36% 40% 45% 31% 36% 31% 31% 28% 58% 54% 48% 34% 35% 25% 20% 19% 20% 22% 17% 12% 13% 6% 8% 1% 4% Mar'14 Mar'15 Mar'16 Mar'17 Mar'18 Mar'19 Mar'20 Mar'21 Mar'
Slide 43: Section 05 – Customer franchise and distribution reach
5.1 Customer franchise Section 05 Geographic presence Customer franchise and 5.2 distribution reach 5.3 Strong distribution reach 42
Slide 44: Customer franchise
Customer franchise Q2 FY22 Q2 FY23 Q1 FY23 Total Franchise 62.91 MM 60.30 MM 52.80MM 41.68 MM Credit segment filter 49.08 MM 47.27 MM 40.12 MM Overall Cross sell franchise 47.46 MM 45.66 MM Non delinquent 35.31 MM customers 41.88 MM 40.31 MM Cross sell franchise 29.37 MM 36.39 MM 34.66 MM (57.8%)* (
Slide 45: Geographic presence
Geographic presence 30 Sep 30 Sep 30 Sep 31 Dec 31 Mar 30 Jun 30 Sep Geographic Presence 2019 2020 2021 2021 2022 2022 2022 Urban lending branches 956 1,134 1,368 1,368 1,368 1,368 1,372 Rural lending branches 1,041 1,507 1,961 2,055 2,136 2,218 2,313 Total Bajaj Finance presence 1,997 2,641 3,329 3
Slide 46: Strong distribution reach
Strong distribution reach Active distribution 30 Sep 2019 30 Sep 2020 30 Sep 2021 31 Dec 2021 31 Mar 2022 30 Jun 2022 30 Sep 2022 Consumer durable stores – Urban 22,000+ 24,200+ 28,000+ 29,500+ 30,600+ 31,000+ 31,400+ Consumer durable stores – Rural 15,200+ 19,600+ 25,600+ 27,900+ 29,800+ 31,500+ 33
Slide 47: Section 06 – Business segment wise AUM
Section 06 Business segment wise AUM 46
Slide 48: Business segment wise AUM - Consolidated
Business segment wise AUM - Consolidated ₹ in Crore Composition Composition Assets Under Management AUM as of BFL as of BHFL as of AUM as of Growth as of as of (Businesses) 30 Sep 2021 30 Sep 2022 30 Sep 2022 30 Sep 2022 YoY 30 Sep 2021 30 Sep 2022 Two & Three wheeler Finance 10,738 10,160 - 10,160
Slide 49: Business segment wise AUM - Mortgages
Business segment wise AUM - Mortgages ₹ in Crore Bajaj Housing Finance Limited Consolidated mortgages Composition Composition Assets Under Management AUM as of AUM as of AUM as of AUM as of Growth as of Growth as of (Businesses) 30 Sep 2021 30 Sep 2022 30 Sep 2021 30 Sep 2022 30 Sep 2022 30 Sep 2022
Slide 50: Section 07 – Update on credit quality
7.1 Provisioning Coverage - Consolidated 7.2 Stagewise ECL provisioning – Consolidated Section 07 7.3 Provisioning Coverage - BHFL Update on credit quality 7.4 Stagewise ECL provisioning - BHFL 7.5 Portfolio credit quality - Consolidated 49
Slide 51: Provisioning Coverage - Consolidated
Provisioning Coverage - Consolidated ₹ in Crore AUM PCR GNPA % NNPA % Particulars 30 Sep 22 GNPA NNPA (%) 31 Mar 22 30 Jun 22 30 Sep 22 31 Mar 22 30 Jun 22 30 Sep 22 Two & Three Wheeler Finance 10,160 878 439 50% 11.01% 10.15% 8.01% 5.83% 5.35% 4.17% Urban Sales Finance 16,259 88 14 84% 2.81% 0.32%
Slide 52: Stagewise ECL provisioning - Consolidated
Stagewise ECL provisioning - Consolidated ₹ in Crore Gross Assets Receivable ECL Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 OTR* Normal OTR* Normal OTR* Normal Two & Three Wheeler Finance 9,223 - 859 878 145 - 215 440 1.6% - 25.0% 50.1% Urban Sales Financ
Slide 53: Provisioning Coverage - BHFL
Provisioning Coverage - BHFL ₹ in Crore AUM PCR GNPA % NNPA % Particulars 30 Sep 22 GNPA NNPA (%) 31 Mar 22 30 Jun 22 30 Sep 22 31 Mar 22 30 Jun 22 30 Sep 22 Home Loans 37,946 72 31 57% 0.27% 0.23% 0.21% 0.12% 0.09% 0.09% Loan against property 6,960 28 16 43% 0.65% 0.59% 0.52% 0.33% 0.28% 0.30% Leas
Slide 54: Stagewise ECL provisioning – BHFL
Stagewise ECL provisioning – BHFL ₹ in Crore Gross Assets Receivable ECL Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 OTR* Normal OTR* Normal OTR* Normal Home Loans business 34,095 143 100 72 177 37 19 41 0.5% 25.9% 19.0% 56.9% Loan against property 5,262 4
Slide 55: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Consumer Durable & Lifestyle Two & three wheeler Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1 98.65% 98.92% 99.52% 99.05% 99.58% 99.72% 97.89% 99.66% 99.63% 1 86.00% 76.15
Slide 56: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Business & professional loans Rural B2B Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 98.27% 97.19% 98.50% 97.30% 98.51% 98.73% 98.93% 99.02% 99.06% 1 99.33% 99.21% 99.75% 98.89% 99.
Slide 57: Portfolio credit quality – Consolidated
Portfolio credit quality – Consolidated Home loans Commercial lending Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket • Commercial lending business portfolio is 99.86% current 1 99.60% 98.67% 99.56% 98.31% 99.05% 99.07% 99.63% 99.37% 99.41% 2 0.11% 1.03% 0.24% 1.36% 0.69% 0.62
Slide 58: Thank You
BAJAJ FINANCE LIMITED Q2 FY23 Investor Presentation Thank You
Slide 59: Annexure
BAJA) FINANCE LIMITED Annexure
Slide 60: Purpose of business transformation
As a Company, we believe that the purpose of any business transformation is a means to an end. It should result in stronger growth momentum, superior customer experience, better cross sell, lower risk and/or improved operating efficiencies. We are pursuing business transformation singularly with tha
Slide 61: Business transformation timeline and digital platform
At the outset, “All business transformation takes time, team and technology.” It’s been 15 months since we started phase 1 of business transformation project. Due to wave 2, it got delayed by 3 months. Phase 1 of the digital platform has now gone live with a staggered release methodology. The Compan
Slide 62: Digital App platform – Phase 1 feature set
Digital App platform – Phase 1 feature set Payments UPI Wallet EMI Card Credit Card 6-in-1 Payment Checkout Bill Payment Network CD Network DPF Network REMI Network LSF Network LCF Network E-Com Network Coaching Network Marketplace & Health RX No cost EMI Marketplace Insurance Marketplace Investment
Slide 63: Digital App platform – Phase 1 enablers
Digital App platform – Phase 1 enablers Stimulation Offers and Promotions Search Service Sales Engagement Utilities • Notification Engine • Dynamic Banners • Search • Raise a Request • 5 Mins Call Back • Social Share • Locate Us- Maps Core Components • Nudges • Offers • Content Streams • FAQ • Track
Slide 64: Phase 2 of transformation journey
Previous 2 slides have covered the phase 1 of transformation journey. Phase 1 was focused on creating a strong, stable and scalable foundation. Phase 2 will focus on new to Bajaj customer journeys, introducing new features and functionalities, augmenting current feature sets and nuanced journeys for
Slide 65: Digital app platform – Phase 2 feature set
Digital app platform – Phase 2 feature set 4-in-1 Payment 4-in-1 Check Out QR Based P2M Payments UPI Wallet EMI Card Credit Card Bill Payment POS terminals checkout for Partners Transaction Coaching Network CD Network DPF Network REMI Network LSF Network LCF Network E-Com Network P2M Network QR Netw
Slide 66: Digital app platform – Phase 2 enablers
Digital app platform – Phase 2 enablers Stimulation Offers and Search Service Sales Engagement Utilities Promotions • 5 Mins Call Back • Social Share • Locate Us- Maps Core Components • Notification Engine • Dynamic Banners • Search • Raise a Request • Track and Resume • NPS/Feedback • QR (23) • Nud
Slide 67: Disclaimer
Disclaimer This presentation has been prepared by and is the sole responsibility of Bajaj Finance Limited (together with its subsidiaries, referred to as the “Company” or “Bajaj Finance”. By accessing this presentation, you are agreeing to be bound by the trailing restrictions. This presentation doe