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Bajaj Finance

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Bajaj Finance

Bajaj Finance is a diversified non-banking finance company (NBFC) with financing and fee income products across consumer, SME, commercial and rural segments. It started its operations as an auto finance company providing loans for two-wheelers and three wheelers and over the years has diversified into multi product financial businesses including accepting retail and wholesale deposits, or distribution of life insurance, general insurance

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Bajaj Finance is a diversified non-banking finance company (NBFC) with financing and fee income products across consumer, SME, commercial and rural segments. It started its operations as an auto finance company providing loans for two-wheelers and three wheelers and over the years has diversified into multi product financial businesses including accepting retail and wholesale deposits, or distribution of life insurance, general insurance and mutual funds. Headquartered in Pune the company's product offering includes lending to retail, SME as well as commercial customers financing consumer goods, home loans as well as of two-wheeler and three-wheeler loans, or gold loans. It has a diversified funding mix benefiting from AAA credit rating and rising share of retail deposits. As 70% of business is done with existing clients and the Company is increasingly using analytics when cross-selling new products, asset quality remains under good control and cost efficiency has been improving. At the end of September 2019, the Company was present in 956 locations with 83,200 points of sales. It had total of 38.7 mil clients at the end of September with 1.92 mil new clients gained last quarter. Bajaj Finance Ltd is a subsidiary of Bajaj Finserv, which holds 54.99% in the firm. Finserv also holds 74% each in two other subsidiaries, Bajaj Allianz General Insurance and Bajaj Allianz Life Insurance, which together constitute the financial assets of the group. Though accounting norms allow Finserv to add BFL’s sales to its consolidated revenue, the two companies are separate listed entities: Bajaj Finance has two 100% subsidiaries, Bajaj Housing Finance (registered with the National Housing Bank as a Housing Finance Company and Bajaj Financial Services.

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summary Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

          17,361 22,660 28,132 38,398 51,971    
          19,040 25,000 31,427 43,667 61,737    
          10,540 13,490 19,189 27,153 39,247    
          5,910 7,190 8,979 12,786 18,364    

balance sheet

... ... ... ... ... ... ... 3,263 10,291 41,312    
          175,170 240,610 315,928 438,309 554,459    
... ... ... ... ... 0 0 0 0 0    
          178,063 246,180 327,798 469,731 619,403    
          33,520 39,909 47,997 74,268 90,528    
... ... ... ... ... ... ... 83,811 61,807 257,097    
          0 1,761 11,192 23,728 42,721    
... ... ... ... ... ... ... 182,735 308,439 209,113    

ratios

          21.8% 19.6% 20.4% 20.9% 22.3%    
          4.10% 3.60% 3.13% 3.21% 3.37%    
          5.74% 5.43% 4.26% 4.14% 4.13%    
          44.6% 46.0% 38.9% 37.8% 36.4%    
... ... ... ...   22.0% 19.1% 18.0% 19.5% 20.3%    
          11.7% 10.7% 9.80% 9.63% 9.54%    
          91.2% 90.6% 89.5% 87.9% 84.2%    
          0.939% 0.786% 0.743% 2.42% 4.01%    
... ... ... ... ... 28.8% 29.6% 36.8% 38.1% 41.4%    
          18.8% 16.2% 14.6% 15.8% 14.6%    
... ... ... ... ... ... 13,662% 2,823% 1,847% 1,298%    
          98.4% 97.7% 96.4% 93.3% 89.5%    
          1.25% 1.30% 1.42% 1.47% 1.61%    
... ... ... ... ... ... ... 90.6% 85.7% 149%    

valuation

... ... ... ... ... ... ... 3,258 5,590 9,424    
... ... ... ... ... ... ... 505 535 545    
... ... ... ... ... ... ... 407 693 1,174    
... ... ... ... ... ... ... 17.8 23.9 33.7    
... ... ... ... ... ... ... 95.0 139 166    
... ... ... ... ... ... ... 1.79 25.0 3.61    
... ... ... ... ... ... ... 22.9 29.0 34.9    
... ... ... ... ... ... ... 4.28 4.99 7.07    
... ... ... ... ... ... ... 0.439% 3.61% 0.307%    
... ... ... ... ... ... ... ... 34.4% 41.0%    
... ... ... ... ... ... ... ... 46.0% 19.6%    

Download Data
income statement Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income INR mil
Interest Cost INR mil
Net Interest Income INR mil
Net Fee Income INR mil
Other Income INR mil
Total Revenues INR mil
Staff Cost INR mil
Depreciation INR mil
Other Cost INR mil
Operating Cost INR mil
Operating Profit INR mil
Provisions INR mil
Extra and Other Cost INR mil
Pre-Tax Profit INR mil
Tax INR mil
Minorities INR mil
Net Profit INR mil
Dividends INR mil
          29,421 38,390 50,615 67,666 90,008    
          12,060 15,730 22,483 29,269 38,037    
          17,361 22,660 28,132 38,398 51,971    
          179 196 234 1,057 2,477    
          1,500 2,143 3,062 4,212 7,289    
          19,040 25,000 31,427 43,667 61,737    
... ... ... ... ... 2,450 3,410 4,510 6,300 9,320    
... ... ... ... ... 200 290 360 560 710    
... ... ... ... ... 5,850 7,810 7,369 9,654 12,460    
          8,500 11,510 12,239 16,514 22,490    
          10,540 13,490 19,189 27,153 39,247    
          1,820 2,580 3,846 5,429 8,182    
          0 0 1,773 2,077 2,891    
          8,720 10,910 13,570 19,647 28,174    
          2,810 3,720 4,591 6,861 9,810    
          0 0 0 0 0    
          5,910 7,190 8,979 12,786 18,364    
... ... ... ... ... ... ... 903 13,387 1,969    

growth rates

...         32.7% 30.5% 24.1% 36.5% 35.3%    
...         41.4% 9.86% 18.9% 353% 134%    
...         33.5% 31.3% 25.7% 38.9% 41.4%    
...         26.9% 35.4% 6.33% 34.9% 36.2%    
...         26.9% 35.4% 66.7% 41.5% 44.5%    
...         44.9% 25.1% 24.4% 44.8% 43.4%    
...         45.6% 21.7% 24.9% 42.4% 43.6%    

market share

... ... ... ...   0.807% 0.927% 1.04% 1.30% 1.53%   ...
... ... ... ...   0.998% 1.33% 1.65% 3.11% ... ... ...

Download Data
balance sheet Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

... ... ... ... ... 4,164 7,768 2,298 13,309 3,262    
... ... ... ... ... ... ... 3,263 10,291 41,312    
          175,170 240,610 315,928 438,309 554,459    
... ... ... ... ... 0 0 0 0 0    
... ... ... ... ... 1,762 2,199 2,525 2,903 3,660    
          178,063 246,180 327,798 469,731 619,403    
          33,520 39,909 47,997 74,268 90,528    
... ... ... ... ... 0 0 0 0 0    
          144,543 206,271 279,801 395,463 528,875    
... ... ... ... ... ... ... 83,811 61,807 257,097    
          0 1,761 11,192 23,728 42,721    
... ... ... ... ... ... ... ... ... 42,721    
... ... ... ... ... ... ... ... ... 0    
... ... ... ... ... ... ... 182,735 308,439 209,113    
... ... ... ... ... ... ... 2,063 1,489 19,944    

asset quality

          2,190 3,128 4,844 4,156 9,824    
          175,170 240,610 320,315 438,345 569,133    
... ... ... ... ... ... ... 4,387 3,560 14,674    

growth rates

...         33.6% 37.4% 31.3% 38.7% 26.5%    
...         50.9% 38.3% 33.2% 43.3% 31.9%    
...         62.4% 19.1% 20.3% 54.7% 21.9%    
... ... ... ... ... ... ... 535% 112% 80.0%    

market share

          0.317% 0.374% 0.445% 0.550% 0.672%   ...
          0.205% 0.243% 0.294% 0.372% 0.436%   ...
          0% 0.002% 0.014% 0.026% 0.040%   ...

Download Data
ratios Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

ratios

          21.8% 19.6% 20.4% 20.9% 22.3%    
          4.10% 3.60% 3.13% 3.21% 3.37%    
          5.74% 5.43% 4.26% 4.14% 4.13%    
          44.6% 46.0% 38.9% 37.8% 36.4%    
... ... ... ...   22.0% 19.1% 18.0% 19.5% 20.3%    
... ... ... ...   18.7% 16.2% 14.2% 16.1% 14.6%    
          11.7% 10.7% 9.80% 9.63% 9.54%    
...         9.90% 9.13% 8.39% 8.30% 8.30%    
          19.9% 18.1% 17.6% 17.0% 16.5%    
...         9.97% 8.97% 9.25% 8.67% 8.23%    
... ... ... ... ... ... ... 10.1% 105% 10.7%    
          91.2% 90.6% 89.5% 87.9% 84.2%    
          0.939% 0.786% 0.743% 2.42% 4.01%    
          7.88% 8.57% 9.74% 9.65% 11.8%    
... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... ... ... ... ... ... ...  
... ... ... ... ... 28.8% 29.6% 36.8% 38.1% 41.4%    
          18.8% 16.2% 14.6% 15.8% 14.6%    
... ... ... ... ... ... 13,662% 2,823% 1,847% 1,298%    
          98.4% 97.7% 96.4% 93.3% 89.5%    
          1.25% 1.30% 1.42% 1.47% 1.61%    
... ... ... ... ... ... ... 90.6% 85.7% 149%    
... ... ... ... ... ... ... 1.39% 0.812% 2.65%    
          1.19% 1.24% 1.38% 1.44% 1.65%    

Download Data
other data Unit
2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018

other data

... ... ... ... ... ... ... ... 659 915    
... ... ... ... ... ... ... ... ... ... ...  
          8.10 10.1 12.9 16.1 20.1    
... ... ... ... ... ... ... ... ... 100%    

Download Data

Bajaj Finance in Numbers

November 7, 2019
Bajaj Finance in Numbers

This Annual statistical dossier offers a summary of Bajaj Finance's performance between 2007 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Bajaj Finance's performance between 2007 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Bajaj Finance's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Bajaj Finance made a net profit of INR 39,950 mil under revenues of INR 118,615 mil in 2018, up 60.0% and 45.9% respectively compared to the previous year.

Historically, the bank’s net profit reached an all time high of INR 39,950

Read more »

Bajaj Finance made a net profit of INR 39,950 mil under revenues of INR 118,615 mil in 2018, up 60.0% and 45.9% respectively compared to the previous year.

Historically, the bank’s net profit reached an all time high of INR 39,950 mil in 2018 and an all time low of INR 210 mil in 2007. The average profit in the last five years amounted to INR 21,009 mil.

On the other hand, bank’s revenues amounted to an all time high of INR 118,615 mil in 2018 and an all time low of INR 3,330 mil in 2007. The average revenues in the last five years reached INR 67,350 mil.

Comparing Bajaj Finance with its closest peers, Muthoot Finance generated a net profit of INR 20,780 mil with revenues of INR 48,805 mil in 2018, Shriram City Union Finance netted INR 9,890 mil (revenues of INR 38,020 mil) and Sundaram Finance announced a net profit of INR 11,609 mil (revenues of INR 19,811 mil).

You can see all the bank’s data at Bajaj Finance Profile, or you can download a report on the bank in the report section.

Bajaj Finance made a net profit of INR 39,950 mil in 2018, up 60.0% compared to the previous year. This implies a return on equity of 22.5%.

Historically, the bank’s net profit reached an all time high of INR 39,950 mil in

Read more »

Bajaj Finance made a net profit of INR 39,950 mil in 2018, up 60.0% compared to the previous year. This implies a return on equity of 22.5%.

Historically, the bank’s net profit reached an all time high of INR 39,950 mil in 2018 and an all time low of INR 210 mil in 2007. The average profit in the last five years amounted to INR 21,009 mil.

The bank generated its shareholders an average return on equity of 21.2% in the last five years with maximum at 22.5% and minimum at 20.1%

Comparing Bajaj Finance with its closest peers, Muthoot Finance generated a net profit of INR 20,780 mil with ROE of 23.1% in 2018, Shriram City Union Finance netted INR 9,890 mil (ROE of 16.6%) and Sundaram Finance announced a net profit of INR 11,609 mil implying ROE of 14.6%.

Bajaj Finance has been ranked 21th within the group of 137 banks we follow in terms of return on equity in 2018.

You can see all the bank’s data at Bajaj Finance Profile, or you can download a report on the bank in the report section.

Bajaj Finance generated total banking revenues of INR 118,615 mil in 2018, up 45.9% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all

Read more »

Bajaj Finance generated total banking revenues of INR 118,615 mil in 2018, up 45.9% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of INR 118,615 mil in 2018 and an all time low of INR 3,330 mil in 2007. The average revenue in the last five years amounted to INR 67,350 mil.

Net interest income represented 82.0% of total revenues, fee income contributed 8.75% and other non-interest income added further 9.26% to the overall revenue generation in 2018.

Bank's total revenues accounted for 9.55% total assets in 2018, down from 9.59% a year earlier.

Comparing Bajaj Finance with its closest peers, Sundaram Finance generated total revenues of 5.88% of assets in 2018, and Tata Capital Financial Services operated with 4.78% revenue margin.

You can see all the bank’s data at Bajaj Finance Profile, or you can download a report on the bank in the report section.

Bajaj Finance's non-performing loans reached 1.57% of total loans at the end of 2018, up from 1.44% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.61% in 2016 and an all time low of 1.42% in 2014.

Read more »

Bajaj Finance's non-performing loans reached 1.57% of total loans at the end of 2018, up from 1.44% compared to the previous year. Historically, the NPL ratio hit an all time high of 1.61% in 2016 and an all time low of 1.42% in 2014.

Provision coverage amounted to 115% at the end of 2018, down from 132% compared to a year earlier.

The bank created loan loss provisions worth of 0.414% of average loans in 2018. That's compared to 1.04% of loans the bank put aside to its cost on average in the last five years.

Comparing Bajaj Finance with its closest peers, Shriram City Union Finance operated at the end of 2018 with NPL ratio of 9.13% and provision coverage of 74.7% and Tata Capital Financial Services with 2.40% and 141% respectively.

You can see all the bank’s data at Bajaj Finance Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Bajaj Finance's net profit rose 60.0% to INR 39,950 mil in 2018
Bajaj Finance's net interest income rose 39.5% to INR 97,252 mil in 2018
Bajaj Finance's npls (as % of loans) rose 8.49% to 1.57% in 2018
Bajaj Finance's net interest margin fell 2.07% to 9.31% in 2018
Bajaj Finance's price/earnings (P/E) rose 7.27% to 43.7 in 2018
Bajaj Finance's capital adequacy ratio fell 13.8% to 20.7% in 2018
Bajaj Finance's share price (end of period) rose 67.9% to INR 3,003 in 2018
Bajaj Finance's customer loan growth fell 1.01% to 42.2% in 2018
Bajaj Finance's customer deposits rose 69.3% to INR 77,929 mil in 2018
Bajaj Finance's total revenues rose 45.9% to INR 81,305 mil in 2018
Bajaj Finance's customer loans rose 42.2% to INR 791,025 mil in 2018