- The document is a presentation by Bajaj Finance Limited providing an overview of the company including its competitive strengths, business strategy, financial information, and disclaimers.
- Bajaj Finance Limited is part of the Bajaj Group and is the lending and financial services arm. It provides consumer lending and financing through its subsidiaries.
- The presentation includes information on Bajaj Finance's board of directors, key management team, group structure within Bajaj, and business lines. It also includes disclaimers around the nature of the information presented.
- Bajaj Finance Limited has experienced strong financial growth over the past 5 years, with assets under management growing at a 44% CAGR and profit after tax growing at a 38% CAGR.
- The company has a diversified lending business model focused on consumer, SME, commercial, rural lending and fee-based products.
- Key financial ratios have remained healthy, with a return on average equity of 20.4% in FY15 and gross NPAs of only 0.80% as of FY15, demonstrating strong credit quality and profitability.
This corporate presentation discusses SMC Global Securities Limited, an Indian financial services company. It provides an overview of SMC's business segments, which include trading and distribution, financing, and advisory services. SMC has over 2,950 employees and 1.8 million clients across India. The presentation also outlines SMC's evolution since it was founded in 1994, its expansion into new business lines and locations, and strategic partnerships. India's growing economy and increasing household savings are noted as providing significant opportunities for SMC's continued expansion.
- The document is an investor presentation for One 97 Communications Limited (Paytm) for the quarter ending September 2023.
- It provides operating metrics for Paytm including the number of registered merchants and devices, average monthly transacting users, GMV and loan distribution volumes.
- Paytm's core business is payments and it aims to acquire customers for payments and cross-sell loans. It generates revenue from payment processing, subscription fees from merchant devices, and distribution and collection fees from loan disbursement and repayments.
This presentation provides an overview of Purple Ventures, a business incubator. It discusses Purple Ventures' services across various stages of a business's lifecycle from startup to expansion. These services include idea evaluation, market research, technology consulting, policies/processes development, fundraising assistance, and exit analysis. The presentation also provides examples of Purple Ventures' clients and testimonials praising its support. It then details a case study of how Purple Ventures helped a large events company restructure and substantially increase its revenue and profit.
Max Healthcare Institute Limited's investor presentation provides an overview of the company and its growth drivers. It highlights the following key points in 3 sentences:
Max Healthcare is India's second largest hospital chain in terms of revenue, EBITDA and market capitalization, with a dominant presence in the largest and most profitable markets of Delhi NCR and Mumbai. It has a vision to be the most well regarded healthcare provider in India committed to clinical excellence, cutting edge technology, and research. The presentation outlines Max Healthcare's track record, strategic focus areas, and financial performance to position it for continued strong growth and profitable expansion.
Union Bank of India is the 4th largest public sector bank in India with a pan-India presence supported by over 9,500 branches and 12,900 ATMs. It has a total business of INR 15.34 trillion with total deposits of INR 8.82 trillion and advances of INR 6.52 trillion as of December 2020. The bank has a strong retail franchise and over 56% of its domestic advances are in retail, agriculture and MSME segments. It is committed to digital banking and growing its technology capabilities to better serve its large customer base of over 120 million customers across India and overseas.
Genius Group is the holding company for GeniusU, Genius Institute and Genius School. GeniusU is an edtech platform providing over 2.6 million students across 200 countries with personalized learning paths and micro-degrees on business building skills. The Genius Group curriculum includes both a core curriculum and accredited curriculum, ranging from school camps and programs through to entrepreneur accelerators, events and online courses. Genius School provides education courses for young people from 0 to 25 years old, and Genius Institute provides training courses from 25 to 100 years old. Courses and content range from company sponsored camps for primary and secondary school students through to company funded courses, training, retreats and accelerators for start-ups to large corporations.
The document is an investor presentation by One 97 Communications Limited (the Company) that provides a disclaimer and notes regarding forward-looking statements. Some key details:
- The presentation is for informational purposes only and does not constitute an offer, solicitation, or recommendation to buy or sell securities.
- Forward-looking statements are based on management's current opinions and estimates and are subject to risks and uncertainties that could cause actual results to differ materially.
- Operating metrics are based on internal company data and estimates and methodologies require judgment, so metrics are subject to adjustments or differences with third party estimates.
- Bajaj Finance Limited has experienced strong financial growth over the past 5 years, with assets under management growing at a 44% CAGR and profit after tax growing at a 38% CAGR.
- The company has a diversified lending business model focused on consumer, SME, commercial, rural lending and fee-based products.
- Key financial ratios have remained healthy, with a return on average equity of 20.4% in FY15 and gross NPAs of only 0.80% as of FY15, demonstrating strong credit quality and profitability.
This corporate presentation discusses SMC Global Securities Limited, an Indian financial services company. It provides an overview of SMC's business segments, which include trading and distribution, financing, and advisory services. SMC has over 2,950 employees and 1.8 million clients across India. The presentation also outlines SMC's evolution since it was founded in 1994, its expansion into new business lines and locations, and strategic partnerships. India's growing economy and increasing household savings are noted as providing significant opportunities for SMC's continued expansion.
- The document is an investor presentation for One 97 Communications Limited (Paytm) for the quarter ending September 2023.
- It provides operating metrics for Paytm including the number of registered merchants and devices, average monthly transacting users, GMV and loan distribution volumes.
- Paytm's core business is payments and it aims to acquire customers for payments and cross-sell loans. It generates revenue from payment processing, subscription fees from merchant devices, and distribution and collection fees from loan disbursement and repayments.
This presentation provides an overview of Purple Ventures, a business incubator. It discusses Purple Ventures' services across various stages of a business's lifecycle from startup to expansion. These services include idea evaluation, market research, technology consulting, policies/processes development, fundraising assistance, and exit analysis. The presentation also provides examples of Purple Ventures' clients and testimonials praising its support. It then details a case study of how Purple Ventures helped a large events company restructure and substantially increase its revenue and profit.
Max Healthcare Institute Limited's investor presentation provides an overview of the company and its growth drivers. It highlights the following key points in 3 sentences:
Max Healthcare is India's second largest hospital chain in terms of revenue, EBITDA and market capitalization, with a dominant presence in the largest and most profitable markets of Delhi NCR and Mumbai. It has a vision to be the most well regarded healthcare provider in India committed to clinical excellence, cutting edge technology, and research. The presentation outlines Max Healthcare's track record, strategic focus areas, and financial performance to position it for continued strong growth and profitable expansion.
Union Bank of India is the 4th largest public sector bank in India with a pan-India presence supported by over 9,500 branches and 12,900 ATMs. It has a total business of INR 15.34 trillion with total deposits of INR 8.82 trillion and advances of INR 6.52 trillion as of December 2020. The bank has a strong retail franchise and over 56% of its domestic advances are in retail, agriculture and MSME segments. It is committed to digital banking and growing its technology capabilities to better serve its large customer base of over 120 million customers across India and overseas.
Genius Group is the holding company for GeniusU, Genius Institute and Genius School. GeniusU is an edtech platform providing over 2.6 million students across 200 countries with personalized learning paths and micro-degrees on business building skills. The Genius Group curriculum includes both a core curriculum and accredited curriculum, ranging from school camps and programs through to entrepreneur accelerators, events and online courses. Genius School provides education courses for young people from 0 to 25 years old, and Genius Institute provides training courses from 25 to 100 years old. Courses and content range from company sponsored camps for primary and secondary school students through to company funded courses, training, retreats and accelerators for start-ups to large corporations.
The document is an investor presentation by One 97 Communications Limited (the Company) that provides a disclaimer and notes regarding forward-looking statements. Some key details:
- The presentation is for informational purposes only and does not constitute an offer, solicitation, or recommendation to buy or sell securities.
- Forward-looking statements are based on management's current opinions and estimates and are subject to risks and uncertainties that could cause actual results to differ materially.
- Operating metrics are based on internal company data and estimates and methodologies require judgment, so metrics are subject to adjustments or differences with third party estimates.
Marel Capital Markets Day 2021 - Global-reachMarel
The document provides an overview and disclaimer for a presentation by Marel hf. It states that the purpose is to provide information about the company and its disclaimer notes that no representations are made about the accuracy or completeness of the information. It also says the information is based on current matters and is subject to change without notice. Finally, it notes the presentation does not constitute an offer to purchase securities and is not intended as investment advice.
Marel Capital Markets Day 2021 - DigitalizationMarel
The document provides an overview of a presentation by Marel hf. on digitally transforming food processing. It includes disclaimers that no representations or warranties are given, information is subject to change, and forward-looking statements involve risks. Market and industry data is from Marel's internal research and estimates and has not been verified. The presentation does not constitute an offer to purchase securities.
Founded in 2012, Plutus Capital is a Gurgaon based SEBI registered Investment Advisory Firm providing wealth and stock advisory services. Our focus is the Indian capital market, and we cater to family offices and individuals from India and globally.
Marel held a Capital Markets Day to provide an overview of the company and its strategy for delivering 12% annual revenue growth globally through digital and sustainable solutions. Marel aims to be a one-stop-shop across poultry, meat, and fish processing with standardized modular equipment, proprietary software, and digital solutions. The company's focus on innovation, excellence, and ESG/sustainability has supported over 20% average annual revenue growth since its 1992 listing.
Radialisation in India will increase. There is an increase in radialisation in India in the truck and bus segment.
90% of the dealers we spoke to said that “ radial tyre volumes are increasing because it can run in all terrain and are far more sturdy”.
“Volumes have increased by 5-10% for this quarter as compared to last year”
Positive: This will help the growth of JK
NLC India Limited is a government of India enterprise with a presence in mining, power generation and renewable energy. It has shown consistent growth over the years with total income increasing from Rs. 3,186 crore in 2016-17 to Rs. 3,987 crore in 2019-20. EBITDA and EBIT have also increased steadily during this period. Profit after tax declined from Rs. 1,753 crore in 2018-19 to Rs. 1,414 crore in 2019-20 mainly due to lower net profit margin. However, the company has maintained strong financial ratios with a current ratio of over 1.5.
Bragg Gaming Group provides a turnkey online gaming solution for operators through its proprietary iGaming platform. It has experienced strong revenue and EBITDA growth in recent years due to a growing customer base that has tripled in size. Bragg's business model is highly scalable and profitable, earning revenue through sharing a percentage of gross gaming revenue from operators using its platform. It aims to continue growing its core business and diversifying into new markets like the US and Canada through technology, partnerships, and acquisitions.
Natco Pharma Limited is an integrated pharmaceutical company with operations across India, the US, and rest of world. It has a strong brand presence in oncology in India and is growing its portfolio in cardiology and diabetes. The company focuses on complex generics for the US market through niche Paragraph IV and Paragraph III filings. It has two R&D centers with over 525 employees and is poised for growth in the agricultural chemicals space. For the financial year ending March 2021, Natco Pharma reported total revenues of INR 21,557 million.
Top pick of the month: Zee Entertainment EnterprisesIndiaNotes.com
Zee Entertainment Enterprises (ZEEL) is one of India's leading television, media and entertainment companies. It is amongst thelargest producers and aggregators of Hindi programming in the world, with an extensive library housing over 1.2 lac+ hours of television content. With rights to more than 3,500 movie titles from foremost studios and of iconic film stars, ZEEL houses the world's largest Hindi film library.
The business plan summarizes an organization called A++ Ventures that seeks to connect entrepreneurs, investors, and the government. It does this by seeding, curating, mentoring, partnering with, and investing in various commercial and social ventures. The plan outlines A++ Ventures' services for entrepreneurs, investors, and the government to address their respective needs. It also provides examples of A++ Ventures' current portfolio and traction, as well as its revenue model and growth strategy. The team leading A++ Ventures is described as wanting to make a meaningful impact through their ventures.
360 Degree Consultancy provides financial advisory services including investment banking, economic research, project appraisal, and credit monitoring. It has a team of professionals with experience across various fields. The company aims to be a trusted partner for business and economic decisions through ethical and efficient work. Services include transaction advisory, mergers and acquisitions support, and restructuring troubled assets. The company has expertise across multiple industries including agriculture, automotive, education, metals, and healthcare.
Bragg Gaming Group is a next generation gaming group with cutting-edge technology, leading brands and world-class management expertise, developing into a global gaming force. Formed by a team of gaming industry experts, Bragg's main portfolio asset is ORYX Gaming, an innovative business-to-business gaming technology platform and casino content aggregator. Through this brand and targeted acquisitions, Bragg is focused on becoming a leader within the evolving global gaming industry.
VSBLTY is a computer vision software company that uses artificial intelligence and machine learning to transform retail and security solutions through proactive digital displays. It provides software and services that integrate interactive touchscreens, facial recognition, and object detection with digital signs. This allows for enhanced customer experiences in retail settings and improved security monitoring in public spaces. The global digital signage market is projected to reach $32 billion and the security market $187 billion in the next few years, representing significant growth opportunities for VSBLTY's disruptive technology.
Marel Capital Markets Day 2021 - SustainabilityMarel
The document is a presentation by Marel hf. on sustainability. It begins with disclaimers noting that the purpose is to provide an overview of Marel, the information is subject to change, and no representations or warranties are being made. It also notes limitations on the data presented. The presentation then covers Marel's vision of a sustainable and affordable food supply. It discusses major global trends driving both increased food demand and sustainability challenges, including population growth, rising incomes, consumer preferences for convenience, and the need to reduce waste and ensure animal welfare, food safety, and traceability.
Impact of Effective Performance Appraisal Systems on Employee Motivation and ...Dr. Nazrul Islam
Healthy economic development requires properly managing the banking industry of any
country. Along with state-owned banks, private banks play a critical role in the country's economy.
Managers in all types of banks now confront the same challenge: how to get the utmost output from
their employees. Therefore, Performance appraisal appears to be inevitable since it set the
standard for comparing actual performance to established objectives and recommending practical
solutions that help the organization achieve sustainable growth. Therefore, the purpose of this
research is to determine the effect of performance appraisal on employee motivation and retention.
Leading Change_ Unveiling the Power of Transformational Leadership Style.pdfEnterprise Wired
In this comprehensive guide, we delve into the essence of transformational leadership style, its core principles, key characteristics, and its transformative impact on organizational culture and outcomes.
Marel Capital Markets Day 2021 - Global-reachMarel
The document provides an overview and disclaimer for a presentation by Marel hf. It states that the purpose is to provide information about the company and its disclaimer notes that no representations are made about the accuracy or completeness of the information. It also says the information is based on current matters and is subject to change without notice. Finally, it notes the presentation does not constitute an offer to purchase securities and is not intended as investment advice.
Marel Capital Markets Day 2021 - DigitalizationMarel
The document provides an overview of a presentation by Marel hf. on digitally transforming food processing. It includes disclaimers that no representations or warranties are given, information is subject to change, and forward-looking statements involve risks. Market and industry data is from Marel's internal research and estimates and has not been verified. The presentation does not constitute an offer to purchase securities.
Founded in 2012, Plutus Capital is a Gurgaon based SEBI registered Investment Advisory Firm providing wealth and stock advisory services. Our focus is the Indian capital market, and we cater to family offices and individuals from India and globally.
Marel held a Capital Markets Day to provide an overview of the company and its strategy for delivering 12% annual revenue growth globally through digital and sustainable solutions. Marel aims to be a one-stop-shop across poultry, meat, and fish processing with standardized modular equipment, proprietary software, and digital solutions. The company's focus on innovation, excellence, and ESG/sustainability has supported over 20% average annual revenue growth since its 1992 listing.
Radialisation in India will increase. There is an increase in radialisation in India in the truck and bus segment.
90% of the dealers we spoke to said that “ radial tyre volumes are increasing because it can run in all terrain and are far more sturdy”.
“Volumes have increased by 5-10% for this quarter as compared to last year”
Positive: This will help the growth of JK
NLC India Limited is a government of India enterprise with a presence in mining, power generation and renewable energy. It has shown consistent growth over the years with total income increasing from Rs. 3,186 crore in 2016-17 to Rs. 3,987 crore in 2019-20. EBITDA and EBIT have also increased steadily during this period. Profit after tax declined from Rs. 1,753 crore in 2018-19 to Rs. 1,414 crore in 2019-20 mainly due to lower net profit margin. However, the company has maintained strong financial ratios with a current ratio of over 1.5.
Bragg Gaming Group provides a turnkey online gaming solution for operators through its proprietary iGaming platform. It has experienced strong revenue and EBITDA growth in recent years due to a growing customer base that has tripled in size. Bragg's business model is highly scalable and profitable, earning revenue through sharing a percentage of gross gaming revenue from operators using its platform. It aims to continue growing its core business and diversifying into new markets like the US and Canada through technology, partnerships, and acquisitions.
Natco Pharma Limited is an integrated pharmaceutical company with operations across India, the US, and rest of world. It has a strong brand presence in oncology in India and is growing its portfolio in cardiology and diabetes. The company focuses on complex generics for the US market through niche Paragraph IV and Paragraph III filings. It has two R&D centers with over 525 employees and is poised for growth in the agricultural chemicals space. For the financial year ending March 2021, Natco Pharma reported total revenues of INR 21,557 million.
Top pick of the month: Zee Entertainment EnterprisesIndiaNotes.com
Zee Entertainment Enterprises (ZEEL) is one of India's leading television, media and entertainment companies. It is amongst thelargest producers and aggregators of Hindi programming in the world, with an extensive library housing over 1.2 lac+ hours of television content. With rights to more than 3,500 movie titles from foremost studios and of iconic film stars, ZEEL houses the world's largest Hindi film library.
The business plan summarizes an organization called A++ Ventures that seeks to connect entrepreneurs, investors, and the government. It does this by seeding, curating, mentoring, partnering with, and investing in various commercial and social ventures. The plan outlines A++ Ventures' services for entrepreneurs, investors, and the government to address their respective needs. It also provides examples of A++ Ventures' current portfolio and traction, as well as its revenue model and growth strategy. The team leading A++ Ventures is described as wanting to make a meaningful impact through their ventures.
360 Degree Consultancy provides financial advisory services including investment banking, economic research, project appraisal, and credit monitoring. It has a team of professionals with experience across various fields. The company aims to be a trusted partner for business and economic decisions through ethical and efficient work. Services include transaction advisory, mergers and acquisitions support, and restructuring troubled assets. The company has expertise across multiple industries including agriculture, automotive, education, metals, and healthcare.
Bragg Gaming Group is a next generation gaming group with cutting-edge technology, leading brands and world-class management expertise, developing into a global gaming force. Formed by a team of gaming industry experts, Bragg's main portfolio asset is ORYX Gaming, an innovative business-to-business gaming technology platform and casino content aggregator. Through this brand and targeted acquisitions, Bragg is focused on becoming a leader within the evolving global gaming industry.
VSBLTY is a computer vision software company that uses artificial intelligence and machine learning to transform retail and security solutions through proactive digital displays. It provides software and services that integrate interactive touchscreens, facial recognition, and object detection with digital signs. This allows for enhanced customer experiences in retail settings and improved security monitoring in public spaces. The global digital signage market is projected to reach $32 billion and the security market $187 billion in the next few years, representing significant growth opportunities for VSBLTY's disruptive technology.
Marel Capital Markets Day 2021 - SustainabilityMarel
The document is a presentation by Marel hf. on sustainability. It begins with disclaimers noting that the purpose is to provide an overview of Marel, the information is subject to change, and no representations or warranties are being made. It also notes limitations on the data presented. The presentation then covers Marel's vision of a sustainable and affordable food supply. It discusses major global trends driving both increased food demand and sustainability challenges, including population growth, rising incomes, consumer preferences for convenience, and the need to reduce waste and ensure animal welfare, food safety, and traceability.
Impact of Effective Performance Appraisal Systems on Employee Motivation and ...Dr. Nazrul Islam
Healthy economic development requires properly managing the banking industry of any
country. Along with state-owned banks, private banks play a critical role in the country's economy.
Managers in all types of banks now confront the same challenge: how to get the utmost output from
their employees. Therefore, Performance appraisal appears to be inevitable since it set the
standard for comparing actual performance to established objectives and recommending practical
solutions that help the organization achieve sustainable growth. Therefore, the purpose of this
research is to determine the effect of performance appraisal on employee motivation and retention.
Leading Change_ Unveiling the Power of Transformational Leadership Style.pdfEnterprise Wired
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Role of social Media in Disaster Management;
Unique features of Biparjoy cyclone;
Role of IMD in Biparjoy Prediction;
Lessons Learned; Disaster Preparedness; published paper;
Case study; for disaster management agencies; for guideline to manage cyclone disaster; cyclone management; cyclone risks; rescue and rehabilitation for cyclone; timely evacuation during cyclone; port closure; tourism closure etc.
Colby Hobson: Residential Construction Leader Building a Solid Reputation Thr...dsnow9802
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Originally presented at XP2024 Bolzano
While agile has entered the post-mainstream age, possibly losing its mojo along the way, the rise of remote working is dealing a more severe blow than its industrialization.
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Project Management Infographics . Power point projetSAMIBENREJEB1
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From Concept to reality : Implementing Lean Managements DMAIC Methodology for...Rokibul Hasan
The Ready-Made Garments (RMG) industry in Bangladesh is a cornerstone of the economy, but increasing costs and stagnant productivity pose significant challenges to profitability. This study explores the implementation of Lean Management in the Sampling Section of RMG factories to enhance productivity. Drawing from a comprehensive literature review, theoretical framework, and action research methodology, the study identifies key areas for improvement and proposes solutions.
Through the DMAIC approach (Define, Measure, Analyze, Improve, Control), the research identifies low productivity as the primary problem in the Sampling Section, with a PPH (Productivity per head) of only 4.0. Using Lean Management techniques such as 5S, Standardized work, PDCA/Kaizen, KANBAN, and Quick Changeover, the study addresses issues such as pre and post Quick Changeover (QCO) time, improper line balancing, and sudden plan changes.
The research employs regression analysis to test hypotheses, revealing a significant correlation between reducing QCO time and increasing productivity. With a regression equation of Y = -0.000501X + 6.72 and an R-squared value of 0.98, the study demonstrates a strong relationship between the independent variables (QCO downtime and improper line balancing downtime) and the dependent variable (productivity per head).
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Small Business Management An Entrepreneur’s Guidebook 8th edition by Byrd test bank.docx
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Designing and Sustaining Large-Scale Value-Centered Agile Ecosystems (powered...Alexey Krivitsky
Is Agile dead? It depends on what you mean by 'Agile'. If you mean that the organizations are not getting the promised benefits because they were focusing too much on the team-level agile "ways of working" instead of systemic global improvements -- then we are in agreement. It is a misunderstanding of Agility that led us down a dead-end. At Org Topologies, we see bright sparks -- the signs of the 'second wave of Agile' as we call it. The emphasis is shifting towards both in-team and inter-team collaboration. Away from false dichotomies. Both: team autonomy and shared broad product ownership are required to sustain true result-oriented organizational agility. Org Topologies is a package offering a visual language plus thinking tools required to communicate org development direction and can be used to help design and then sustain org change aiming at higher organizational archetypes.
2. 1
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 does not constitute or does not intend to constitute or form part of any offer or invitation or inducement to sell, or any
solicitation of any offer or recommendation to purchase, any securities of the Company, nor shall it or any part of it or the fact of its
distribution form the basis of, or be relied on in connection with, any contract or commitment therefor. In particular, this presentation is not
intended to be a prospectus or offer document under the applicable laws of any jurisdiction, including India. No representation or warranty,
express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the
information or opinions contained in this presentation. Such information and opinions are in all events not current after the date of this
presentation. There is no obligation to update, modify or amend this communication or to otherwise notify the recipient if information,
opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate. However, the Company may alter,
modify or otherwise change in any manner the content of this presentation, without obligation to notify any person of such change or
changes.
These materials are being given solely for your information and may not be copied, reproduced or redistributed to any other person in any
manner. The distribution of these materials in certain jurisdictions may be restricted by law and persons into whose possession these
materials comes should inform themselves about and observe any such restrictions. Certain statements contained in this presentation that
are not statements of historical fact constitute “forward-looking statements.” You can generally identify forward-looking statements by
terminology such as “aim”, “anticipate”, “believe”, “continue”, “could”, “estimate”, “expect”, “intend”, “may”, “objective”, “goal”,
“plan”, “potential”, “project”, “pursue”, “shall”, “should”, “will”, “would”, or other words or phrases of similar import. These forward-
looking statements involve known and unknown risks, uncertainties, assumptions and other factors that may cause the Company’s actual
results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied
by such forward-looking statements or other projections. Important factors that could cause actual results, performance or achievements to
differ materially include, among others: (a) material changes in the regulations governing the Company’s businesses; (b) the Company's
ability to comply with the capital adequacy norms prescribed by the RBI; (c) decreases in the value of the Company's collateral or delays in
enforcing the Company's collateral upon default by borrowers on their obligations to the Company; (d) the Company's ability to control the
level of NPAs in the Company's portfolio effectively; (e) internal or external fraud, operational errors, systems malfunctions, or cyber
security incidents; (f) volatility in interest rates and other market conditions; and (g) any adverse changes to the Indian economy.
This presentation is for general information purposes only, without regard to any specific objectives, financial situations or informational
needs of any particular person. The information contained in this presentation is only current as of its date and the Company does not
undertake any obligation to update the information as a result of new information, future events or otherwise.
3. Table of Contents
Overview and Competitive Strengths
Business Strategy
Financial Information
Annexures
2
5. Group Structure
Bajaj Holdings and Investment
Limited
(Listed)
Bajaj Auto Limited
(Listed)
Bajaj Finserv Limited
(Listed)
Bajaj Finance Limited
(Listed)
Bajaj Housing Finance
Limited (1)
Bajaj Allianz life Insurance
Company Limited
Bajaj Allianz General
Insurance Company
Limited
1. Total holding of promoter & promoter group is 49.24%
2. Total holding of promoter & promoter group is 58.35%
3. Total holding of promoter & promoter group is 61.61%
Auto Business Arm Financial Services Arm
31.49% 39.16%
61.53% 74.00%
100%
Lending Protection and Retiral
1 2
3 74.00%
Note: 1. W.e.f Nov 2014. It has a 100% subsidiary named Bajaj Financial Securities Limited which does not have any operations
1
2
3
4
Above shareholding is as of March 31, 2015
6. Board of Directors
• He has been the Chief Executive Officer of
erstwhile Bajaj Auto Limited and was awarded the
'Padma Bhushan' by the President of India in March
2001
• He has 46 years of experience, among others, in
auto and financial services
• He has 40 years of experience in the banking, auto
and financial services sector
• He has held several senior level positions in
Citibank
• Took charge as MD of Bajaj Finserv Limited in 2008
• Has several years of experience in areas in business
strategy, marketing, finance, investment, audit,
legal, and IT related functions and in the auto and
financial services sectors
• Won the EY Entrepreneur of the Year 2014:
Financial Services Award
• Appointed as Managing Director until March 31,
2020. 22 years of experience in consumer lending
industry
• In his previous assignments, he has worked with
GE, American Express and AIG. He has vast
experience of managing diverse consumer lending
businesses viz. auto loans, durables loans, personal
loans and credit cards
• Recipient of the ‘Vikas Rattan’ Award from the
International Friendship Society of India, for
enriching human life and outstanding achievements
• He has 29 years of experience inter alia in auto,
consumer durables and financial services sector
• He has worked at the erstwhile Bajaj Auto Limited
in several areas and has been the MD of Bajaj Auto
Limited since April 2005
• He has more than 24 years of experience in auto
and financial services sector
Shri Rahul Bajaj
Chairman
• A fellow member of both the Institute of Chartered
Accountants of India and the Institute of Company
Secretaries of India
• He has been associated with the Bajaj Group of
companies since 1966 and has more than 50 years
experience in corporate law, taxation, finance and
investment
• 52 years of experience in project and industrial
engineering, banking and financial services sector
• Holds a master’s degree in Arts (Economics) from
the Delhi School of Economics and a Doctorate in
Philosophy from Oxford University.
• He has 27 years of experience inter alia in
Corporate Sector
• He was the Managing Director of Bajaj Finance
from April 1987 to March 2008
• He has been associated with the Company since its
incorporation
• He has 47 years of experience, inter alia, in
finance, marketing and automobiles
• He has 42 years of experience inter alia in
automobiles and tourism sector
• He has been associated with the Company since its
incorporation
• Holds a master’s degree in Arts (History) and a
doctorate degree in Philosophy (Business) from the
University of Mumbai
• She is associated with several trade and industry
organisations, non-profit organisations and
educational institutions
Nanoo Pamnani
Vice Chairman and
Independent Director
Sanjiv Bajaj
Vice Chairman
Rajeev Jain
Managing Director
Madhur Bajaj
Director
Rajiv Bajaj
Director
D.S. Mehta
Independent Director
D.J. Balaji Rao
Independent Director
Omkar Goswami
Independent Director
Dipak Poddar
Independent Director
Ranjan Sanghi
Independent Director
Rajendra Lakhotia
Independent Director
Dr Gita Piramal
Independent Director
5
Accomplished and stable board
7. Key Senior Management Team
• Appointed as Managing Director until March 31, 2020
• 22 years of experience in consumer lending industry
• In his previous assignments, he has worked with GE,
American Express and AIG. He has vast experience
of managing diverse consumer lending businesses
viz. auto loans, durables loans, personal loans and
credit cards
• Responsible for Technology, Operations, Customer
Experience and Quality. Joined Bajaj Finance from
AIG where he was the Vice President and Head of
Technology
• Over 20 years experience, he has held leadership
positions at GE Money, Reliance Industries and 3i
Infotech
• Responsible for the Consumer Lending vertical
except for that includes Consumer Durables, Digital
Products and Lifestyle Finance, Cross Sell, Credit
Cards and Salaried Personal Loans and Salaried
Home Loans. Earlier with AIG, GE Money, E&Y
• Strong experience in the Commercial Banking
Space and has managed large client relationships,
sales teams. Earlier with Standard Chartered, ABN
Amro Bank
• Joined Bajaj Finance from Bajaj Allianz Life
Insurance where he was the CFO for 8 years
• Has varied experience having working previously
with KPMG in the Middle East in their Bahrain
Assurance practice and prior to that in DSP Merrill
Lynch and Mahindra and Mahindra in India
• Over 28 years of experience, earlier CFO of Bajaj
Finance
• Joined Bajaj Finance from Corporate Database - an
equity research firm. Prior to that, he worked in
Bajaj Auto Ltd, Eicher and Mico Bosch in leadership
roles
Rajeev Jain
Managing Director
Rakesh Bhatt
Chief Operating Officer
• Chief Risk Officer and also heads the Horizontal
Center of Excellence for Analytics
• Responsible for managing the underwriting
framework across all non-retail businesses
• Earlier worked with Citigroup, ICICI, Tata Steel
• Manages the collections vertical in Bajaj Finance
• Key driver in the collections vertical for the last 5
years
• Responsible for managing and growing the
unsecured line of business for the firm
• Earlier with Yes Bank, HDFC Bank, ONICRA,
Mahindra and Mahindra and Modi Xerox
• Leads the cross sell business
• Earlier with American Express, HSBC
• Responsible for the mortgages business and the
Loan Against Shares portfolio
• Earlier with American Express, Standard
Chartered
6
Over 30 member deep management team structure
Devang Mody
President Consumer
Business
Abhishek Jain
President – Commercial
Lending
Rajesh Viswanathan
Chief Financial Officer
Pankaj Thadani
Chief Compliance Officer
Bharath Vasudevan
Chief Risk Officer
Diwakar Pundir
Chief Commercial Credit
Atul Jain
Chief Collections Officer
Deepak Bagati
Business Head - Business
Loans
Ashish Sapra
Senior Vice President -
Relationship Mgmt.
Deepak Reddy
Vice President – Mortgages
and Loan Against Shares
8. Executive Summary of Strengths
Strong Brand
and Promoters
Diversified
lending
business model
Strong
distribution
reach
Robust
Financial
Performance
Experienced &
deep senior
management
structure
High technology
orientation and
robust risk
management
• Promoted by erstwhile Bajaj Auto Ltd. Post the de-merger of Bajaj Auto Ltd, the shareholding in the Company
was vested with Bajaj Finserv Ltd
• One of the most well-known and respected brands in India
• Diversified product lines with emphasis on cross sell
• Profitable mix of consumer, SME, commercial, rural lending and fee based product distribution
• Mix of secured and unsecured assets
• 161 consumer lending branches spread across India
• 232 location presence in Rural lending business through branch & ASSC(1) model
• Financing through more than 10,500 stores across consumer durable, Digital & Lifestyle products financing
businesses
• Financing through more than 3,000 2W–3W Dealer/ASCs(2)/Sub-dealers in 2W-3W financing business
• FY11-15 AUM CAGR of 44%
• FY11-15 PAT CAGR of 38%
• FY15 RoAE(3) and RoAA(4) of 20.4% and 3.3% respectively
• Senior management team members from leading BFSI firms
• Management structure allows scalability
• Focus on technology and analytics for improving productivity and customer service
• Contemporary loan origination system, strict monitoring framework and systems to ensure high standards of on-
boarding, credit quality and portfolio performance
7
Notes 1. ASSC refers to Authorized Sales and Service Centers ; 2. ASC refers to Authorized Service Centre
3. Defined as PAT/(Opening Networth + Closing Networth)/2 ; 4. Defined as PAT/(Opening receivables under financing + closing receivables under financing)/2
A strong platform for profitable growth
Strong Credit
Rating
• Strong credit ratings enabling the Company to borrow funds at highly competitive rates
• Credit rating of AA+/Stable by CRISIL and AA+(Stable) by ICRA for Long term NCD program, Lower Tier II bonds
and A1+ by CRISIL and ICRA for short term debt program. Fixed deposits are rated as FAAA/Stable by CRISIL and
MAAA/Stable by ICRA. Cash credit/working capital demand loan and long term bank facilities are rated
AA+/Stable by CRISIL and short term bank facilities are rated A1+ by CRISIL
9. Our Journey Thus Far
FY87
Incorporation of
Bajaj Auto
Finance Private
Ltd.
FY95
IPO and
Listing on
BSE
FY07
Rights Issue of Equity Shares
of Rs.4.1 Bn and of Non
Convertible Debentures (NCD)
with detachable warrants
optionally convertible into
equity shares of Rs.2.6 Bn
FY08
Diversifying
lending
portfolio
Preferential issue of
warrants to Bajaj Finserv
Ltd of Rs.3.9 Bn
FY12
FY13
Rights Issue of
Rs. 7.4 Bn
FY14
AuM crossed Rs. 240 Bn;
PBT crossed Rs. 10 Bn
AuM crossed Rs. 324 Bn
PBT crossed Rs. 13.5 Bn
FY15
8
Change of Name
to Bajaj
Finance Ltd.
FY11
Preferential issue of equity
shares to Bajaj Auto Ltd
Rs.0.4 Bn, preferential issue
of warrants to Bajaj Auto Ltd
Rs.1.2 Bn and preferential
issue of equity shares to
investors Rs.1.6 Bn
FY06
Successfully delivered the transformation journey in last 8 years
10. What do we stand for?
9
Our diversified
financial services
strategy envisages
an optimal mix of
risk and profit to
deliver a
sustainable
business model
The business
construct is to
deliver a
sustainable ROA(1)
& ROE in the
medium term
Note 1. Refers to return on average receivables under financing
11. Financial Summary
10
Financials snapshot
Rs. Bn FY11 FY12 FY13 FY14 FY15(1) CAGR
(FY11-15)
Assets under management (AUM) 75.7 131.1 175.2 240.6 324.1 44%
Total Revenue (A) 14.1 21.7 31.1 40.7 54.2 40%
Finance Costs (B) 3.7 7.5 12.1 15.7 22.5 57%
Net Interest Income (NII) (A-B) 10.4 14.3 19.0 25.0 31.7 32%
Operating Expenses (2)
4.6 6.7 8.5 11.5 14.3 33%
Loan Losses and Provisions 2.0 1.5 1.8 2.6 3.90 17%
Profit before tax 3.7 6.0 8.7 10.9 13.6 38%
Profit after tax 2.5 4.1 5.9 7.2 9.0 38%
Ratios FY11 FY12 FY13 FY14 FY15
Return on avg. receivables under financing(3)
4.4% 4.2% 4.1% 3.6% 3.3%
Return on avg. equity(4)
19.7% 24.0% 21.9% 19.5% 20.4%
Earning per share (Basic) - Rs. 67.5 110.8 135.7 144.8 179.9
Net NPA 0.80% 0.12% 0.19% 0.28% 0.45%
NPA provisioning coverage 79% 89% 83% 76% 71%
Strong financial performance over the last 5 years
Notes 1. Consolidated; 2. Defined as employee benefits expense + depreciation and amortization + other expenses;
3.Defined as PAT/(Opening receivables under financing + closing receivables under financing)/2; 4. Defined as PAT/(Opening Networth + Closing Networth)/2
12. Product Launch Journey
11
Note : 1. HNI refers to High Networth Individuals 2. Rural lending includes gold, consumer durable, refinance, personal loans cross sell, doctor loans (launched in FY14),
salaried loans in FY15
2 Wheeler &
3 Wheeler
Financing
Personal
Loan Cross
Sell
Business Loan
(currently
Unsecured
Working
Capital Loans)
Home Loans
- Self
Employed
Salaried
Personal
Loans
Lifestyle
Product
Financing
Rural
Lending (2)
Property
Fitness
Report
Consumer
SME
Commercial
Fee Products
Legacy FY’08 FY’09 & ‘10 FY’11 FY’12 FY’13 FY’14 FY’15
+6
Vendor
Financing -
Term Loans
& Purchase
Order
Financing
Co-branded
Credit Card
Financial
fitness
report
+3 +3
+28
Extended
Warranty
Cross Sell
EMI Card
Digital
Product
Financing
+5 +5
Loans to
doctors
(currently
Loans to
Professionals)
Consumer
Durable
Financing
Loan Against
Shares HNI (1)
(currently
loan against
securities -
Promoter)
Loan
Against
Securities -
Retail
SME Cross
Sell
Home Loans
- Salaried
Life
Insurance
Distribution
General
Insurance
Distribution
MSME
Rural
Loans
Against
Property
Construction
Equipment
Financing
Infrastructure
Financing
CRISIL SME
Rating
+2 +2 +2
Lease Rental
Discounting
Sustained approach to product line expansion
13. Diversified Business Model
SME
(53% of FY15(1) AUM)
Consumer
(41% of FY15(1) AUM)
Rural
(1% of FY15(1) AUM)
Commercial
(5% of FY15(1) AUM)
Loan Against Property
Loan Against Securities
(Retail and Promoter)
Unsecured Working Capital
Loans
Consumer Durable Financing
2 Wheeler & 3 Wheeler Financing
Lifestyle Product Financing
Personal Loan Cross sell
Salaried Personal Loans
Consumer Durable Financing
Refinance
Gold Loans
Personal Loan Cross sell
Unsecured Working Capital
Loans
Vendor Financing - Term
Loans & Purchase Order
Financing
Large Value Lease Rental
Discounting
Infrastructure Financing(2)
Product
• Cross sell capabilities
supported by data
warehouse and analytics
• Customer Lifecycle
Management
• Low ticket - high volume
transaction domain
specialization
• Strong underwriting capabilities
• Relationship management approach enabled by
technology
• Premium customer experience model
• Cross sell for SMEs
Competitive
Advantage
• Differentiated product
offering
• Bajaj Brand Name
Digital Product Financing
Salaried Home Loan
EMI Card Business
Home Loans - Self Employed
Loans to Professionals
Salaried Personal Loans
Note : 1. As at year end; 2. Paused
12
SME Cross Sell (mortgage and
unsecured working capital
loans)
Loans to MSME
Loans to Professionals
Cross sell – EMI Card, Life/General Insurance, Extended Warranty, Credit Rating,
Property & Financial Fitness Report
14. Strong Distribution Reach and Customer Franchise
13
Deep distribution, stable acquisition and growing balance sheet
Notes
1. As at year end; 2. ASSC refers to Authorised Sales and Service Centers ; 3. ASC refers to Authorized Service Centre
Geographic Presence
Business Line FY15(1)
Urban 161
Of which Consumer Lending branches 161
Of which SME Lending branches 119
Rural 232
Of which Rural branches 50
Of which Rural ASSCs(2)
182
Distribution
Product Line FY15(1)
Consumer durable product stores 7,000+
Lifestyle product stores 1,150+
Digital product stores 2,650+
2W–3W Dealer/ASCs(3)
/Sub-dealers 3,000+
SME – Direct sales agents 700+
Rural consumer durable product stores 1,500+
# of new loans disbursed (‘000s)
Select Product Lines FY15(1)
Consumer durable 3,579
Lifestyle finance 80
Digital finance 293
2W & 3W 560
PLCS 169
Salaried Loans 38
SME 31
Rural finance 131
Assets Under Management (Rs Bn)
Business Line FY13(1)
FY14(1)
FY15(1)
Consumer Lending 71.4 93.3 132.0
SME Lending 84.0 128.5 171.4
Commercial
Lending
19.8 18.3 17.4
Rural Lending - 0.5 3.3
Total AUM 175.2 240.6 324.1
15. Provisioning Norms
NPA provisioning norms are stringent than RBI norms
Bajaj Finance provides a general provision of 0.40% on all standard assets (0.50% on Mortgages)
against RBI’s requirement of 0.25% (from FY16 0.30%)
• Consumer Durables :
– 3 – 5 months overdue –
75%
– Above 5 months – 100%
• 2 and 3 Wheeler :
– 3 – 5 months 30%
– 6 – 12 months – 60%
– Above 12 months – 100%
• Personal Loan Cross Sell :
– 3 – 5 months – 55%
– Above 5 months – 100%
• Salaried Personal Loan :
– 3 – 5 months – 70%
– Above 5 months – 100%
Consumer Lending
provision coverage
• Home Loan / Loan
against Property:
– 4 – 5 months – 15%
– 6 – 12 months – 25%
– 13 – 18 months – 40%
– 18 – 24 months – 60%
– Above 24 months –
100%
• Working Capital Loans :
– 3 – 5 months – 70%
– Above 5 months – 100%
• Loan against Securities :
– Above 5 months – 100%
SME Lending
provision coverage
• Construction Equipment
Financing :
– 4 -5 months - 15%
– 6 - 9 months - 30%
– 10 - 12 months - 60%
– Above 12 months 100 %
• Auto Component Vendor
Financing :
– 6 – 12 months – 10%
– 12 – 18 months – 20%
– 18 – 24 months – 30%
– Above 24 months-100%
– Graded provision on
secured portfolio
Commercial Lending
provision coverage
14
For FY15
• 6 months and <= 24 months - 10%
• >24 months and <=36 months - 20% on
secured & 100% on unsecured portion
• >36 months and <=60 months - 30% on
secured & 100% on unsecured portion
• >60 months - 50% on secured & 100% on
unsecured portion
• Loss assets – 100%
For FY16
• 5 months and <= 21 months - 10%
• >21 months and <=33 months - 20% on
secured & 100% on unsecured portion
• >33 months and <=57 months - 30% on
secured & 100% on unsecured portion
• >57 months - 50% on secured & 100% on
unsecured portion
• Loss assets – 100%
RBI Norms
Bajaj Finance Provisioning
16. Banks
113.9
58%
Non
Convertible
Debentures
50.4
25%
Commercial
Paper
25.8
13%
Tier II Debt
5.4
3%
Fixed Deposits
2.1
1%
Banks
143.7
54%
Non
Convertible
Debentures
89.2
33%
Commercial
Paper
14.3
5%
Tier II Debt
9.9
4%
Fixed Deposits
9.8
4%
Borrowings Profile and ALM
Structural ALM as at March 31,2015 (Rs Bn)
93
120
54
61
140
69
26
93
< 1 year 1-3 years 3-5 years >5 years
Liabilities Assets
Borrowings(1) – As at March 31, 2014 (Rs.Bn and %)
Total : Rs.197.5 Bn
Borrowings(1) – As at March 31, 2015 (Rs.Bn and %)
Total : Rs.266.9 Bn
15
Judicious mix of borrowings to achieve optimal cost of funds while balancing liquidity and concentration risks
Note 1. Borrowings include long term borrowings, short term borrowings and current maturities of long term borrowings
18. Business Strategy
Focus on
• Diversified & profitably growth through its distinct Consumer, SME, Commercial
& Rural Verticals
• Differentiated product offerings
• Deep geographic distribution
Leverage large and growing customer franchise
Continue to attract, train and retain talent
Broad base liability mix
Focus on technology and analytics to further improve productivity and reduce risks
17
19. Product Line Strategy
18
Profit Maximisers
Consumer
SME
Commercial
Rural
Sales Finance (Consumer Durable, Digital & LSF)
• Large customer acquisition engine using E2E point of sale
connectivity on cloud platform
Personal Loans Cross Sell
• 100% cross sell to existing customers
Salaried Personal Loans
• Affluent salaried customers
2 & 3 Wheeler Finance
• Vertically integrated captive financing model
Working Capital Loans to SME
• SME customer acquisition channel
• Decentralized credit underwriting model on cloud platform
• Sales & collect portfolio management model
Loans to Professionals
• Focus on prudent and dedicated customers
Consumer Rural
• Offer set of retail products using hub & franchise model
• State wise geo coverage model
ROE enhancers
Cross Sell Fee Products
• Financial Fitness Report
• Co-branded Credit Card
• EMI Card
• Life Insurance
• Health Insurance
• Extended Warranty
• Property Fitness Report
• Property Search Service
Cross Sell Fee Products
• Crisil Rating
• Financial Fitness Report
• Life & Health Insurance
• Property Fitness Report
• Property Search Service
Cross Sell Fee Products
• EMI Cards
• Life & Health Insurance
• Extended Warranty
Scale Builders
Salaried Home Loans
• Large consumer asset pool
• 100% existing customer model
Vendor Financing
• Industry vertical focused Term loan & Purchase
order financing
Infrastructure Financing
• corporate & project financing
MSME Rural
• Offer Working capital & Loan against property
to MSME customers in Rural locations
LAP & Home Loans to SME
• Lending New & existing clients with high focus
on existing franchise
• Offer full set of mortgage loans
Loan against securities
• Focus on operational efficiency
EMI Card business
• Closed loop plastics business with acceptance at over
10,500 stores
• Focus on customer wallet expansion by expanding store &
product coverage
20. A Few Differentiators
19
• One customer view
• Centre of Excellence for Analytics across Sales, Pricing, Risk, Marketing, Collections and Service
• Dedicated customer service platform
• Best Employer in BFSI by Great Places To Work (GPTW) & AON Hewitt for 2 consecutive years
SME
Consumer Rural
Commercial
• Last mile connectivity
through cloud platform
at over 10,500 stores
• EMI card franchise of
over 3.5 million
• Direct cash collection
model for unbanked rural
customers
• Low ticket high velocity
collections capability
• ‘Digital Grid’ capability
for Salaried Personal
Loan and Salaried Home
Loans business
• Property Fitness Report
for mortgage customers
• Financial Fitness Report
for retail customers
• Flow based underwriting
for SME businesses on
cloud platform
• Flexi loans to SME
customers – Flexibility to
prepay and withdraw
• Fast approval turn
around time
• End to end online
Working Capital loans
business
• Property Fitness Report
for Mortgage customers
• Financial Fitness Report
for SME clients
• Branch based multi
product distribution
• ‘Authorised Sales &
Service Centres’ (ASSC)
model
• EMI Card franchise
• Low ticket, high velocity
collections capability
• Mid market focus
• Specialised industry
vertical
• Domain expertise
22. Strong Growth Trajectory
AUM (Rs. Bn)
75.7
131.1
175.2
240.6
324.1
FY-11 FY-12 FY-13 FY-14 FY-15
44%
Net Interest Income (NII)(1) (Rs. Bn)
10.4
14.3
19.0
25.0
31.7
FY-11 FY-12 FY-13 FY-14 FY-15
32%
Profit After Tax (Rs. Bn) and Basic EPS (Rs.)
2.5
4.1
5.9
7.2
9.0
FY-11 FY-12 FY-13 FY-14 FY-15
38%
Book Value Per Share (Rs./Share) and Dividend Payout
370.8
492.2
676.4
802.2
959.9
FY-11 FY-12 FY-13 FY-14 FY-15
27%
Dividend
Payout
(% of FV)
150% 160% 180%
Basic
EPS
(Rs)
135.7 144.8 179.9
21
CAGR for FY11-15
110.8
67.5 120%
100%
Note: 1. Total Revenue – Finance Costs
23. Robust Financial Performance
Return on avg. receivables under financing(2) Return on Average Net worth(3)
Asset Quality – Gross NPA and Net NPA
3.81%
1.16% 1.09% 1.18%
1.51%
0.80%
0.12% 0.19% 0.28%
0.45%
FY-11 FY-12 FY-13 FY-14 FY-15
Gross NPA Net NPA
4.4%
4.2% 4.1%
3.6%
3.3%
FY-11 FY-12 FY-13 FY-14 FY-15
19.7%
24.0%
21.9%
19.5% 20.4%
FY-11 FY-12 FY-13 FY-14 FY-15
Cost to Income Ratio(1) (%)
44.5%
46.9%
44.7%
46.0%
45.1%
FY-11 FY-12 FY-13 FY-14 FY-15
NPA
Provision
Coverage
71%
76%
83%
22
89%
79%
Note:
1. Defined as operating expenses / Net interest Income
2. Defined as PAT/(Opening receivables under financing + closing receivables under financing)/2
3. Defined as PAT/(Opening net worth + closing net worth)/2. Fund raise through rights issue
of Rs.7.4 BN was completed in March 2013
25. Statement of Profit and Loss
Particulars (Rs. Million) FY11 FY12 FY13 FY14 FY15(1)
Revenue from operations 13,923.3 21,630.2 30,937.2 40,314.2 53,818.0
Other income 138.0 88.9 176.5 419.1 364.8
Total Revenue 14,061.3 21,719.1 31,113.7 40,733.3 54,182.8
Expenses:
Employee benefits expense 1,447.2 1,903.5 2,451.5 3,408.1 4,507.3
Finance costs 3,710.1 7,461.8 12,056.8 15,732.4 22,482.7
Depreciation and amortization 96.4 117.7 151.4 291.9 356.0
Loan losses and provisions 2,046.1 1,543.8 1,817.5 2,578.1 3,845.6
Other expenses 3,062.8 4,670.1 5,920.5 7,811.2 9,421.7
Total Expenses 10,362.6 15,696.9 22,397.7 29,821.7 40,613.3
Profit before tax 3,698.7 6,022.2 8,716.0 10,911.6 13,569.5
Total tax expense 1,229.1 1,957.8 2,802.9 3,721.5 4,590.7
Profit for the year 2,469.6 4,064.4 5,913.1 7,190.1 8,978.8
24
1. Consolidated
26. Balance Sheet
Particulars (Rs. in Million)
As on
Mar 31, 2011
As on
Mar 31, 2012
As on
Mar 31, 2013
As on
Mar 31, 2014
(1)
As on
Mar 31, 2015
EQUITY AND LIABILITIES
Shareholders' funds
a) Share Capital 366.3 413.2 497.8 497.5 500.0
b) Reserves and Surplus 13,214.8 19,709.3 33,172.6 39,411.1 47,497.1
c) Money received against share warrants 0.0 213.2 0.0 0.0 0.0
Shareholders' funds 13,581.1 20,335.7 33,670.4 39,908.6 47,997.1
Non-current liabilities
a) Long-term borrowings 28,540.6 64,078.6 75,030.8 104,777.6 182,735.1
b) Other long-term liabilities 159.3 285.4 419.6 573.5 1,357.7
c) Long-term provisions 189.0 322.5 646.1 1,104.7 1,520.8
Non-current liabilities 28,888.9 64,686.5 76,096.5 106,455.8 185,613.6
Current liabilities
a) Short-term Borrowings 24,689.1 27,945.6 20,801.4 54,727.8 43,139.0
b) Trade payables 1,517.3 1,826.1 1,689.5 1,959.2 2,690.4
c) Other current liabilities 16,058.6 13,840.9 45,025.1 41,868.5 47,000.9
d) Short-term provisions 484.1 632.0 928.8 1,260.1 1,672.3
Current liabilities 42,749.1 44,244.6 68,444.8 99,815.6 94,502.6
Total 85,219.1 129,266.8 178,211.7 246,180.0 328,113.3
25
1. Consolidated
27. Balance Sheet (cont’d)
Particulars (Rs. in Million)
As on
Mar 31, 2011
As on
Mar 31, 2012
As on
Mar 31, 2013
As on
Mar 31, 2014
(1) As on
Mar 31, 2015
ASSETS
Non-current assets
a) Fixed Assets 1,026.0 1,387.9 1,762.1 2,198.7 2,491.8
b) Goodwill on consolidation 32.7
c) Non-current investments 56.1 54.8 52.6 0 1,470.9
d) Deferred tax assets (net) 649.4 691.6 903.7 1,391.6 2,122.8
e) Receivables under financing activity 39,320.0 65,692.1 95,481.9 138,524.2 181,196.7
f) Long - term loans and advances 545.3 724.4 862.5 1,124.4 899.7
g) Other non current assets 2.4
Non-current assets 41,596.8 68,550.8 99,062.8 143,238.9 188,217.0
Current assets
a) Current investments 0 0 0 282.1 1,792.0
b) Receivables under financing activity 33,397.8 57,138.8 71,954.5 91,185.3 130,797.8
c) Cash and bank balances 8,716.7 598.3 4,164.0 7,768.1 2,208.7
d) Short - term loans and advances 1,200.6 2,218.7 2,348.4 2,918.4 3,439.2
e) Other current assets 307.2 760.2 682.0 787.2 1,658.6
Current assets 43,622.3 60,716.0 79,148.9 102,941.1 139,896.3
Total 85,219.1 129,266.8 178,211.7 246,180.0 328,113.3
26
1. Consolidated