Bajaj Finance Ltd.

Financial

	Bajaj Finance	Bajaj Finserv	JIO Financial Serv.
Operational Metrics
Banking Sector
Net Interest Margin	9.5 %	n/a	n/a
NBFC
Cost To Income Ratio	32.7 %	n/a	n/a
Cost of Borrowing	7.73 %	n/a	n/a
AUM - NBFC	441450.0 Crs	n/a	11665.0 Crs
Capital to Risks Assets Ratio (CRAR)	22.0 %	n/a	191.09 %
Tier I Capital	21.2 %	n/a	191.08 %
Gross NPA	1.03 %	n/a	n/a
Net NPA	0.5 %	n/a	n/a
Financials
5 yr Average ROE	17.05 %	12.68 %	0.65 %
5yr average Equity Multiplier	4.84	8.53	1.11
5yr Average Asset Turnover Ratio	0.15	0.21	0.41
5yr Avg Net Profit Margin	23.35 %	7.17 %	44.35 %
5yr Avg Net Profit Margin	23.35 %	n/a	44.35 %
5yr CAGR Net Profit	30.36 %	n/a	132.57 %
5yr CAGR Sales	21.16 %	n/a	-2.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	5.54	4.25	1.68
P/E	30.73	32.29	127.99
Shareholdings
Promoter Holding	54.73 %	58.81 %	47.12 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.13 %	-1.99 %	0.35 %
Change in Mutual Fund Holding (3 Yrs)	0.49 %	2.45 %	1.74 %

Business

	Bajaj Finance	Bajaj Finserv	JIO Financial Serv.
Product Wise Break-Up	Product Wise Break-Up Interest income 87.81 Fee & commission 9.14 Fee and Commission 0 Dividend income 0 Others 3.05	Product Wise Break-Up Fee & commission 0 Interest income 0 Fee and Commission 0 Dividend income 0 Others 100	Product Wise Break-Up Fee & commission 0 Interest income 59.25 Fee and Commission 8.75 Dividend income 0 Others 32.0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 70.56 External Commercial Borrowings 11.64 Collateralized borrowing and lending obligation 8.84 Cash Credit 2.86 Loan From Banks 1.79 Overdraft facility 0 Others 4.31	-	-
NPA Break-Up	NPA Break-Up Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Mortage 30.89 Consumer Finance 20.92 Small & Medium Enterprises (SME) loans 11.9 Commercial Lending Business 6.77 Loans against securities 6.17 Rural 4.85 Rural 2.05 Consumer B2B - sales finance 0 Consumer B2B-auto finance business 0 Loans Against Securities 0 Commercial Lending Business 0 Rural B2C Businesses 0 Rural B2B-Sales Finance Businesses 0 SME Business 0 Consumer B2C Businesses 0 Consumer B2B-Sales Finance 0 Consumer B2B-Auto Finance Business 0 Others 16.45	AUM Break-Up - NBFC Mortage 0 Loans against securities 5.34 Consumer B2B-auto finance business 0 Consumer Finance 7.59 Consumer Finance 0 Commercial Lending Business 5.82 Rural 0 Consumer B2B - sales finance 0 Rural 2.09 SME 12.65 Consumer Finance 5.16 Loans against securities 0 Small & Medium Enterprises (SME) loans 0 Consumer Finance 19.64 Rural 7.75 Others 33.96	-

Bajaj Finance Ltd.

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