Bajaj Finance Limited · NSE:BAJFINANCE
Bajaj Finance — Q2 FY2011 Earnings Presentation
8 slides from Bajaj Finance's earnings presentation, Oct 18, 2010
Slide 1: Bajaj Finance Ltd Q2'11 Presentation
Bajaj Finance Ltd Q2’11 Presentation October 18’2010
Slide 2: Bajaj Auto Finance is now Bajaj Finance: Our Product Offerings
Bajaj Auto Finance Ltd. is now Bajaj Finance Ltd. Our Product Offerings Business Loan | Construction Equipment Finance | Consumer Durable Loan | Two Wheeler Loans Loan Against Securities | Mortgages | Personal Loan | Two Wheeler Loans | Insurance Services
Slide 3: Q2'11 Overview
Q2’11 Overview • An excellent quarter aided by strong volume growth in Consumer and Small and Medium Enterprise business lines. • Continuous strengthening of provisioning standards. NPA provision coverage ratio as at September 2010 stood at 75%. • Q2’11 PAT growth of 143% to Rs 52.8 Crores over Q2’1
Slide 4: Summary Income Statement Q2'11
Summary Income Statement Q2’11 (Rs Crores , except EPS) Q2’ 11 Q2’10 %▲ Income from operations 299.7 195.4 53% Other income 26.7 24.4 9% Total Income 326.4 219.8 49% Interest & other finance charges 83.3 46.0 81% Net interest income 243.1 173.8 40% Operating expenses 92.5 67.8 36% Recovery commissio
Slide 5: Disbursements and Revenue
Snapshot – Q2’11 Customers acquired 64 % QoQ Disbursements 112 % QoQ 2 Wheelers Others 2 Wheelers Others Customers acquired (Nos. Disbursements (Rs Crores) 519 3221 in '000) 355 1577 1656 1668 266 194 165 143 892 107 817 104 821 691 378 239 1364 61 86 113 118 125 123 225 312 393 434 469 472 783 Q1'1
Slide 6: NII, Operating Expenses, Loss Provision and Net NPA
Snapshot – Q2’11 NII 40% QoQ Operating Expenses % of NII Operating Expenses as a % of NII NII (Rs Crores) 2 per. Mov. Avg. (Operating Expenses as a % of NII) 2 per. Mov. Avg. (NII (Rs Crores)) Operating Expenses as a % of 715 NII(Rs Crores) 435 48% 47% 51% 38% 41% 43% 45% NII 194 198 224 243 174 Q2'
Slide 7: Pre-tax Profit, ROTA, Capital Adequacy and EPS
Snapshot – Q2’11 Pre-tax profit 141% QoQ ROTA(%) (annualized) Pre-tax profit (Rs Crores) ROTA (%) 2 per. Mov. Avg. (ROTA (%)) Pre-tax profit( Rs Crores) 2 per. Mov. Avg. (Pre-tax profit (Rs Crores)) 4.2 134 3.9 3.0 3.0 2.8 2.7 ROTA(%) 71 78 43 51 1.3 32 35 Q2'10 Q3'10 Q4'10 Q1'11 Q2'11 FY-10 FY-09 Q
Slide 8: Thank You
Thank You