BAJFINANCE Financial Statements

BAJFINANCE Nine Monthly Results

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Y/e 31 Mar Mar-2022 Mar-2021 Mar-2020 Mar-2019
Growth matrix (%)        
Net interest income 26.10 0.76 39.50 85.80
Total op income 26.10 0.77 39.40 85.30
Op profit (pre-provision) 12.10 0.32 37.30 271
Net profit 22.10 (10) 29.60 435
Advances 17.30 (5.90) 40.80 (98)
Borrowings 23.20 (3.80) 19.40 69.70
Total assets 21.50 0.24 27.20 70.20
Profitability Ratios (%)        
NIM -- -- -- --
Non-int inc/Total inc 0.04 0.09 0.07 0.15
Return on Avg Equity 35.70 33.70 49.60 67.40
Return on Avg Assets 9.09 8.25 10.30 11.40
Per share ratios ()        
EPS 105 65.80 81.40 67.40
Adj.BVPS -- -- -- --
DPS 20 10 10 6
Other key ratios (%)        
Loans/Borrowings 0.73 0.77 0.78 0.66
Cost/Income 19.90 97.40 125 (78)
CAR 27.20 21.30 25.20 20.70
Tier-I capital 24.80 20.70 24.50 16.30
Gross NPLs/Loans -- -- -- --
Prov/Avg loans -- -- -- --
Net NPLs/Net loans -- -- -- --
Tax rate 0.16 0.12 0.15 0.22
Dividend yield 0.28 0.19 0.45 0.20
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Y/e 31 Mar ( In .Cr) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Interest income 27,864 23,532 23,823 17,384
Interest expense (7,573) (7,446) (7,858) (5,939)
Net interest income 20,291 16,086 15,965 11,445
Non-interest income 7.20 14.20 11.60 16.90
Total op income 20,298 16,100 15,977 11,462
Total op expenses 483 2,431 2,494 1,988
Op profit (pre-prov) 20,782 18,531 18,471 13,450
Provisions (4,622) (5,721) (3,805) (1,476)
Exceptionals -- -- -- --
Profit before tax 16,160 12,809 14,666 11,974
Taxes (2,236) (1,407) (1,927) (2,145)
Net profit 13,924 11,402 12,739 9,829
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Y/e 31 Mar ( In .Cr) Mar-2022 Mar-2021 Mar-2020 Mar-2019
Equity Capital 121 120 120 115
Reserves 41,935 35,818 31,693 19,448
Net worth 42,056 35,939 31,813 19,564
Long-term borrowings 115,574 88,284 95,302 77,444
Other Long-term liabilities -- -- -- --
Long term provisions -- -- -- --
Total Non-current liabilities 115,574 88,284 95,302 77,444
Short Term Borrowings 7,467 11,582 8,904 8,907
Trade payables 763 677 637 548
Other current liabilities 1,916 1,548 1,216 1,946
Short term provisions 242 309 131 91.30
Total Current liabilities 10,387 14,116 10,889 11,492
Total Equities and Liabilities 168,016 138,339 138,004 108,500
Fixed Assets 1,631 1,278 1,228 654
Non-current investments 16,372 20,169 20,139 10,370
Deferred tax assets (Net) 908 919 848 661
Long-term loans and advances -- -- -- --
Other non-current assets 144,276 113,090 113,417 95,181
Total Non-current assets 163,188 135,457 135,632 106,867
Current investments -- -- -- --
Trade receivables 1,017 720 867 805
Cash and cash equivalents 2,901 1,386 679 242
Short-term loans and advances 911 777 825 586
Other current assets -- -- -- --
Total Current assets 4,828 2,882 2,372 1,633
Total Assets 168,016 138,339 138,004 108,500
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Particulars ( Rupees In Crores.) Dec-2021 Dec-2020 Dec-2019 Dec-2018
Gross Sales 19,635 17,435 17,196 12,497
Excise Duty -- -- -- --
Net Sales 19,635 17,435 17,196 12,497
Other Operating Income 612 91 115 --
Other Income 4.09 10 7.55 20.10
Total Income 20,251 17,536 17,319 12,518
Total Expenditure ** 8,840 7,804 5,724 3,815
PBIDT 11,411 9,732 11,595 8,703
Interest 5,625 5,723 5,801 4,295
PBDT 5,786 4,009 5,793 4,408
Depreciation 259 217 190 98.40
Tax 1,491 1,314 1,600 1,448
Fringe Benefit Tax -- -- -- --
Deferred Tax (46) (317) 13.80 85.10
Reported Profit After Tax 4,083 2,795 3,990 2,777
Extra-ordinary Items -- -- -- --
Adjusted Profit After Extra-ordinary item 4,083 2,795 3,990 2,777
EPS (Unit Curr.) 67.80 46.50 68.60 48.20
EPS (Adj) (Unit Curr.) 67.80 46.50 68.60 48.20
Calculated EPS (Unit Curr.) 67.70 46.50 66.50 48.20
Calculated EPS (Adj) (Unit Curr.)  67.70 46.50 66.50 48.20
Calculated EPS (Ann.) (Unit Curr.) 90.30 62 88.70 64.20
Calculated EPS (Adj) (Ann.) (Unit Curr.)  90.30 62 88.70 64.20
Book Value (Unit Curr.) -- -- -- --
Dividend (%) -- -- -- --
Equity 121 120 120 115
Reserve & Surplus 39,567 34,624 31,632 --
Face Value 2 2 2 2
Public Shareholding (No Of.Shares)  -- -- -- --
Public Shareholding (% in Equity)  -- -- -- --
Pledged/Encumbered - No. of Shares -- -- -- --
Pledged/Encumbered - % in Total Promoters Holding -- -- -- --
Pledged/Encumbered - % in Total Equity -- -- -- --
Non Encumbered - No. of Shares -- -- -- --
Non Encumbered - % in Total Promoters Holding -- -- -- --
Non Encumbered - % in Total Equity -- -- -- --
PBIDTM(%) 58.10 55.80 67.40 69.60
PBDTM(%) 29.50 23 33.70 35.30
PATM(%) 20.80 16 23.20 22.20
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