Investor Presentaiton

Stagewise ECL provisioning B BAJAJ FINSERV Gross Assets Receivable ECL Provision PCR % in Crore Stage 2 Stage 2 Stage 2 Stage 1 Stage 3 Stage 1 Stage 3 Stage 1 Stage 3 OTR* Normal OTR* Normal OTR* Normal Home Loans 31,792 157 117 75 164 41 20 45 0.5% 26.5% 17.1% 60.6% Loan against property 4,867 55 62 30 33 13 10 16 0.7% 23.4% 16.1% 53.7% 0 Lease rental discounting 6,195 2 35 Developer Finance 3,716 о 0 5≈ 0 0.6% 13.4% 27 | 0 0.7% 23.1% Rural 1,607 21 60 23 Others 1,700 11 7 100 15 6 12 0.6% 26.1% 15.7% 51.7% 3 2 50 0.9% 23.7% 28.7% 72.0% Total as of 30 Jun 2022 49,878 244 248 134 283 62 42 78 0.6% 25.6% 16.9% 58.2% Total as of 31 Mar 2022 46,200 363 241 146 260 89 39 79 0.6% 24.5% 16.3% 54.3% Total as of 31 Dec 2019 25.806 185 20 32 11 6 0.1% 6.1% 31.3% 17

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