Investor Presentaiton

Behaviouralized ALM as of 31 March 2021 - BFL Particulars BAJAJ FINANCE LIMITED Values in MM USD 1 = 74 INR 1-7 D 8 - 14 D 15-30 D > 1-2 M > 2-3 M > 3-6 M > 6M - 1Y > 1-3Y > 3-5 Y > 5 Y Total Cash & Investments 1,575 27 69 132 14 330 766 2,913 Advances 480 155 385 704 733 1,819 2,656 5,262 2,335 801 15,332 Other inflows 6 10 646 3 101 7 169 183 31 640 1,795 Total Inflows (A) 2,062 191 1,030 776 835 1,959 2,839 5,775 2,366 2,207 20,039 Cumulative Total Inflows (B) 2,062 2,253 3,283 4,060 4,895 6,854 9,692 15,467 17,833 20,039 Borrowings 178 24 175 755 469 756 2,334 6,656 1,733 1,319 14,399 Capital Reserves and Surplus 4,857 4,857 Other Outflows 485 66 109 12 0 8 36 35 32 784 Total Outflows (C) 663 90 285 755 481 756 2,342 6,692 1,768 6,208 Cumulative Total Outflows (D) 663 753 1,038 1,793 2,274 3,030 5,372 12,064 13,832 20,039 Mismatch (EAC) 1,399 101 746 22 354 1,203 497 -917 598 -4,001 Cumulative mismatch (F = B-D) 1,399 1,500 2,246 2,267 2,621 3,824 4,320 3,403 4,001 Cumulative mismatch as % (F/D) 211% 199% 216% 126% 115% 126% 80% 28% 29% Permissible cumulative gap % -10% -10% Additional borrowings possible -20% 3,091 Till Mar'19, RBI had prescribed -15% ALM mismatch for upto 1 Month and upto 1 year. From FY20 onwards, RBI has prescribed -20% ALM mismatch for upto 1 Month and left mismatch across the buckets to discretion of the company. 34

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