Bajaj Finserv Financial Performance Q1 FY21

Financial statement summary - Consolidated Financials snapshot B BAJAJ FINSERV in crore Assets under management Q1 FY21 1,38,055 Q1 FY20 Yo Y FY20 FY19 Yo Y 1,28,898 7% 1.47,153 1,15,888 27% Assets under finance 1,32,368 1,25,113 6% 1,41,376 1,12,513 26% Interest income 5,793 5,101 14% 22,970 16,349 40% Fee and other income 593 624 -5% 2,879 1,853 55% Net gain on fair value changes on investment 264 83 218% 537 298 80% Total Income 6,650 5,808 14% 26,386 18,500 43% Interest expenses 2,498 2,113 18% 9,473 6,623 43% Net Interest Income 4,152 3,695 12% 16,913 11,877 42% Operating Expenses 1,156 1,292 -11% 5,662 4,197 35% Loan losses and provisions (ECL stage 1 & 2). 1,430 130 1000% 1,318 260 407% Loan losses and provisions (ECL stage 3 & write off) 256 421 -39% 2,611 1,241 110% Profit before tax 1,310 1,851 -29% 7,322 6,179 18% Profit after tax 962 1,195 -19% 5,264 3,995 32% Ratios Operating expenses to Net Interest Income 27.9% 35.0% 33.5% 35.3% Loan loss to average AUF* 1.23% 0.46% 3.10% 1.57% Earning per share - Basic (*) Return on Average Assets* Return on Average Equity * * 16.0 20.7 89.8 69.3 0.7% 1.0% 4.1% 4.2% 2.9% 5.9% 20.2% 22.5% Not annualized Back 26

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