Bajaj Finance Limited — PPTs, 29-04-2025: Investor Presentation

### Financial Highlights:

Bajaj Finance reported a consolidated profit after tax (PAT) of ₹4,546 Cr, reflecting a 19% year-on-year growth, while profit before tax (PBT) rose 11% to ₹5,647 Cr. Assets under management (AUM) surged by 26% to ₹416,661 Cr, supported by 10.70 million new loans booked. The return on equity (ROE) stood at 19.1%, and asset quality remained robust, with net non-performing assets (NNPA) at 0.44%.

### Strategic Initiatives & Growth Drivers:

The company is enhancing its digital transformation, showcasing the Bajaj Finserv app with 70.57 million users. The total customer base reached 101.82 million following the addition of 4.70 million new customers. Recent product launches and geographic expansions contributed significantly to AUM growth.

### Business Developments:

Bajaj Finance made a strategic investment of ₹65 Cr for a 12% stake in Protectt.ai Labs to bolster its cybersecurity capabilities. Additionally, there were key management changes with three executives promoted to Deputy CEO roles, aimed at driving growth across various divisions.

### Market Position & Competitive Advantage:

Bajaj Finance retains a competitive edge in the lending and finance space through its strong brand reputation and varied product offerings. Its customer-centric approach, coupled with data-driven strategies, enhances cross-selling opportunities and operational efficiency.

### Investor Implications:

These developments present positive growth potential for Bajaj Finance, underpinned by robust customer acquisition and enhanced operational efficiencies. Investors should remain vigilant to monitor execution risks, especially concerning credit costs, as the company pursues its ambitious growth agenda.