Q3 FY22 Earnings Report

Financial statement summary - Consolidated Financials snapshot BAJAJ FINANCE LIMITED in Crore Q3 FY22 Q3 FY21 Y-o-Y 9 M FY22 9 M FY21 Y-o-Y FY21 Assets under management 1,81,250 1,43,550 26% 1,81,250 1,43,550 26% 1,52,947 Assets under finance 1,74,775 1,37.920 27% 1,74,775 1,37,920 27% 1,46,687 Interest income 7.262 5,723 27% | 19,904 17,279 15% I 23,304 Fee and other income 1,213 797 52% 2,879 2,009 43% 2.788 Net gain on fair value changes on investment 60 139 (57%) 227 540 (58%) 591 Total Income 8,535 6,659 28% | 23,010 19,828 16% 26,683 Interest expenses 2,535 2.363 7% 7,186 7,218 0% 9,414 Net Interest Income 6,000 4,296 40% 15,824 12,610 25% 17,269 Operating Expenses 2,081 1,389 50% 5,484 3,702 48% 5,308 Loan losses and provisions 1,051 1,352 (22%) 4,102 4,738 (13%) 5.969 ECL stage 1 & 2 208 (2,391) (109%) 27 409 (93%) 414 I ECL stage 3 & write off 843 3,743 (77%) 4.075 4,329 (6%) 5,555 Profit before tax 2,868 1,555 84% 6,238 4,170 50% 5,992 Profit after tax 2,125 1,146 85% 4,609 3,073 50% 4,420 Ratios Operating expenses to Net Interest Income 34.7% 32.3% 34.7% 29.4% 30.7% Loan loss to average AUF* 0.63% 1.00% 2.55% 3.39% 4.14% | Earning per share Basic (*) * 35.3 19.1 76.5 51.2 73.6 | I Return on Average Assets* 1.3% 0.9% 2.9% 2.2% I 3.1% Return on Average Equity * 5.3% 3.3% 11.8% 9.1% I 12.8% 34 * Not annualized

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