Bajaj Finserv Oct-24
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Questions and Answers

What is the purpose of the communication dated 24 October 2024?

  • To announce a corporate merger.
  • To share regulatory changes in SEBI.
  • To provide a financial report for analysts. (correct)
  • To request a meeting with investors.

Which regulatory framework is referenced in the communication?

  • Companies Act, 2013
  • SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 (correct)
  • Corporate Governance Code 2024
  • SEBI (Prohibition of Insider Trading) Regulations

When does the financial quarter end that is being reported?

  • 30 June 2024
  • 31 June 2024
  • 31 December 2024
  • 30 September 2024 (correct)

What is the BSE Code mentioned in the document?

<p>532978 (A)</p> Signup and view all the answers

What key request is made in the communication?

<p>To take the communication on record. (C)</p> Signup and view all the answers

What was the total revenue for Bajaj Finserv in Q2 FY2025?

<p>33,703 crore (B)</p> Signup and view all the answers

What percentage growth did the net worth (consolidated) experience from H1 FY2024 to H1 FY2025?

<p>34% (D)</p> Signup and view all the answers

What was the profit after tax (PAT) for Q2 FY2024?

<p>1,929 crore (B)</p> Signup and view all the answers

By what percentage did surplus funds grow in Q2 FY2025 compared to Q2 FY2024?

<p>28% (B)</p> Signup and view all the answers

What was the unrealized mark-to-market (MTM) loss recorded by Bajaj Finserv for Q2 FY2025?

<p>67 crore (C)</p> Signup and view all the answers

How much was the book value per share (consolidated) in Q2 FY2025?

<p>428 (D)</p> Signup and view all the answers

What was the total revenue for H1 FY2025?

<p>65,183 crore (C)</p> Signup and view all the answers

What was the PAT growth for the quarter (Q2 FY2025) after excluding the MTM impact?

<p>8% (B)</p> Signup and view all the answers

Which companies were involved in major new tie-ups in H1 FY25?

<p>HSBC, Shriram Finance Ltd, Honda (D)</p> Signup and view all the answers

What was issued as part of crop insurance in H1 FY25?

<p>57+ lakh NOPs (C)</p> Signup and view all the answers

What role do Customer Service Centers (CSC) play in H1 FY25?

<p>They are involved in crop insurance enrollments. (C)</p> Signup and view all the answers

How many active CSC centers were reported in H1 FY25?

<p>22,500+ (D)</p> Signup and view all the answers

Which segment is targeted for increased penetration in H1 FY25?

<p>Underpenetrated Tier II &amp; Tier III cities (A)</p> Signup and view all the answers

What was the gross written premium for BAGIC in Q2 FY25?

<p>₹ 4,157 crore (D)</p> Signup and view all the answers

What was the Combined Ratio (COR) for BAGIC in Q2 FY25, excluding NATCAT claims?

<p>99.7% (C)</p> Signup and view all the answers

What percentage did BALIC's market share in IRNB terms increase to in Q2 FY25?

<p>8.9% (B)</p> Signup and view all the answers

By how much did profit after tax for BALIC decrease in Q2 FY25?

<p>23% (C)</p> Signup and view all the answers

What is the annualized ROE for BAGIC as reported?

<p>18% (D)</p> Signup and view all the answers

What is the total AUM for Bajaj Finserv AMC as of 30th Sep 2024?

<p>₹ 16,294 crore (D)</p> Signup and view all the answers

What was the loss for Bajaj Finserv Direct Limited for Q2 FY25?

<p>₹ 6 crore (D)</p> Signup and view all the answers

Which company recorded a profit after tax increase of 13% in Q2 FY25?

<p>Bajaj Finance Limited (B)</p> Signup and view all the answers

What was the percentage reduction of BFL's shareholding in BHFL after the IPO?

<p>12.75% (C)</p> Signup and view all the answers

What was the Capital Adequacy Ratio of BHFL as of September 30, 2024?

<p>28.98% (D)</p> Signup and view all the answers

By what percentage did Bajaj Financial Securities Limited's net total income increase in Q2 FY25?

<p>78% (D)</p> Signup and view all the answers

What was the profit after tax growth for Bajaj Financial Securities Limited in Q2 FY25?

<p>185% (D)</p> Signup and view all the answers

What percentage of ownership does Bajaj Finserv hold in Bajaj Finance Limited?

<p>51.34% (A)</p> Signup and view all the answers

What is Uma Omkar Shende's role at Bajaj Finserv Limited?

<p>Company Secretary (A)</p> Signup and view all the answers

What is the Tier-1 capital of BHFL as mentioned in the data?

<p>28.46% (C)</p> Signup and view all the answers

Which company is not listed under Bajaj Group Structure?

<p>Bajaj Finserv Health (A)</p> Signup and view all the answers

In which reporting format did Bajaj Finserv Limited start presenting its numbers beginning Q1 FY 2023?

<p>Rs.Crores (B)</p> Signup and view all the answers

What was the profit after tax for Bajaj Housing Finance Limited for Q2 FY25?

<p>₹ 30 Crore (B)</p> Signup and view all the answers

What is the primary purpose of the document?

<p>An investor presentation (D)</p> Signup and view all the answers

Which of the following is not listed as an emerging business under Bajaj Finserv Limited?

<p>Bajaj Home Loans Limited (A)</p> Signup and view all the answers

What is the corporate ID number of Bajaj Finserv Limited?

<p>L65923PN2007PLC130075 (D)</p> Signup and view all the answers

What is the location of the Corporate Office of Bajaj Finserv Limited?

<p>Pune, Maharashtra (B)</p> Signup and view all the answers

Which of the following companies is not affiliated with Bajaj Finserv Limited?

<p>HDFC Bank Limited (D)</p> Signup and view all the answers

What is the significance of the date listed in the signature section of the document?

<p>The document was signed (B)</p> Signup and view all the answers

Flashcards

Investor Presentation

A formal document submitted to the stock exchange providing details about a company's financial performance for a specific period.

SEBI

The body that regulates securities markets in India.

Listing Obligations and Disclosure Requirements (LODR)

Specific guidelines or rules that companies listing on the stock exchange must follow.

Financial Results

A formal report explaining a company's financial performance, usually quarterly.

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Quarter

A specific period of time used for reporting financial performance, typically three months.

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Profit after tax

The financial performance of a company's financial performance after accounting for all expenses and taxes.

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Net worth

The difference between a company's assets and liabilities. It represents the value of the company's equity.

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Total revenue

The total amount of money a company has earned from its operations during a specific period.

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Growth rate

The rate of change in a company's financial performance from one period to the next. A positive growth rate indicates an increase in performance.

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What is the focus of this Investor Presentation?

The overall performance and key highlights of Bajaj Finserv Limited for the second quarter of the fiscal year 2025.

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What is an Investor Presentation?

A financial statement highlighting the company's operational performance, financial results, and future outlook for the quarter.

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Performance summary

The financial performance of a company for a specific period of time, often expressed as a percentage.

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Book value per share

A financial value measured at a specific point in time, representing the company's worth.

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How has Bajaj Finserv's financial reporting changed since Q1 FY 2023?

Bajaj Finserv Limited started reporting its financials in Indian Rupees (₹) in Crores starting from Q1 FY 2023.

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Surplus funds

The difference between the total assets of a company and its total liabilities.

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What is Bajaj Allianz General Insurance (BAGIC)?

A subsidiary of Bajaj Finserv Limited that focuses on insurance products, including health, life, and general insurance.

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What is Bajaj Allianz Life Insurance (BALIC)?

A subsidiary of Bajaj Finserv Limited that offers life insurance products and services.

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Net worth (Consolidated)

The value of a company's equity, which represents the owners' stake in the company.

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What is 'Emerging Business' within Bajaj Finserv?

A specialized business division of Bajaj Finserv focusing on key areas like health, direct financial services, and investments.

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What is Bajaj Finance Limited?

This company manages personal loans, housing loans, consumer durables finance, commercial vehicle finance, and more.

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What is Bajaj Housing Finance Limited?

A subsidiary of Bajaj Finserv Limited, specializing in housing finance, providing loans for home purchases and construction.

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GDPI

Gross Direct Premium Income, a measure of the total premium revenue generated by an insurance company before deductions.

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COR

Combined Ratio, a key indicator of an insurance company's profitability, calculated as the ratio of incurred losses and expenses to earned premiums.

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NEP

Net Earned Premium, the portion of premium revenue that the insurer has earned for the coverage provided during a specific period.

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NWP

Net Written Premium, the total premium income received by an insurance company for new and renewal policies during a particular period.

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PAT

Profit After Tax, the net income of a company after deducting all expenses and taxes.

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IRNB

Individual Rated New Business, a measure of the new business generated from individual policies, excluding group policies.

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NOP

Number of Policies, the total count of insurance policies issued by a company.

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New Business Value

A measure of the profitability of new business, calculated by dividing the profit from new business by the premium revenue.

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What is POSP?

POSP stands for Point of Sale Person. They are sales representatives who work with insurance companies to directly sell insurance products to customers.

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What is the key growth area for Bajaj Finserv?

Bajaj Finserv has achieved strong growth in retail channels, especially in the motor segment.

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How does Bajaj Finserv segment its POSP network?

POSP is a key sales channel for Bajaj Finserv in the insurance business. This channel is further segmented into Enterprise Partners, Growth Markets, and Motor Agency.

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Who are some of Bajaj Finserv's important partners?

Bajaj Finserv has partnered with various national and international companies like HSBC, Shriram Finance, and Maruti to expand its insurance reach.

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How extensive is Bajaj Finserv's POSP network?

Bajaj Finserv has grown its network of POSP to over 9,300, with a significant presence across India, including Tier II and Tier III cities.

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Q2 FY25 Performance Summary

Bajaj Finserv's financial performance for the second quarter of the fiscal year 2025, showing strong growth across different business areas.

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Capital Adequacy Ratio (CAR)

A key financial metric that measures a company's ability to meet its financial obligations. It's a way to assess a company's financial health and risk profile.

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Bajaj Housing Finance Limited (BHFL)

A subsidiary of Bajaj Finserv Limited that provides financial services related to housing loans and home financing.

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Net Total Income

A financial metric that indicates a company's profitability after all expenses have been deducted from its revenue. It's an important indicator of a company's financial performance.

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Tier-1 capital

A financial metric that measures the financial resources available to a company after considering its liabilities. It gives a snapshot of the company's net worth.

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Emerging Business

A business unit within Bajaj Finserv that focuses on various areas like health, direct financial services, and investment opportunities.

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Study Notes

Investor Presentation - Bajaj Finserv Limited

  • Date: October 24, 2024
  • Purpose: To present financial results for the quarter ended September 30, 2024, to analysts and investors.
  • Recipient: Corporate Relations Department, BSE Limited and Corporate Listing Department, National Stock Exchange of India Ltd.
  • Financial Reporting Change: Bajaj Finserv has changed its reporting from Rupees Million to Rupees Crores, effective Q1 FY 2023.
  • Index/Sections: The presentation includes sections on: Executive Summary, Bajaj Finserv Limited, Bajaj Allianz General Insurance (BAGIC), Bajaj Allianz Life Insurance (BALIC), Emerging Business, Bajaj Finance Limited, Bajaj Housing Finance Limited, Environmental, Social and Governance (ESG), and Annexures.

Bajaj Finserv – Performance Summary Q2 and H1 FY2025

  • Total Revenue (Consolidated): 33,703 Crore (Q2 FY2025) / 65,183 Crore (H1 FY2025)
  • Profit After Tax (Consolidated): 2,087 Crore (Q2 FY2025) / 4,225 Crore (H1 FY2025)
  • Net Worth (Consolidated): 8,303 Crore (Q2 FY2025) /  68,325 Crore (H1 FY2025).
  • Surplus Funds (Consolidated): 3,546 Crore (Q2 FY2025) / 3,546 Crore (H1 FY2025).
  • Book Value Per Share (Consolidated): 428 Crore (Q2 FY2025) / 428 Crore (H1 FY2025).

Other Financial Highlights

  • MTM loss on equity investments: BALIC and BAGIC had MTM losses of ₹67 Crore in Q2 FY2025 and ₹51 Cr for H1 FY2025, compared to ₹72 Crore in Q2 FY2024 and 102 Crore for H1 FY2024.
  • Executive summary update for the quarter.

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Bajaj Finserv Limited Investor Presentation - Q2 FY2025 PDF

Description

This quiz tests your knowledge on the financial communication regarding Bajaj Finserv for Q2 FY2025. It covers critical information such as revenue, profit after tax, growth percentages, and more. Prepare to dive deep into financial metrics and regulatory frameworks.

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