Bajaj Finserv Financial Performance Q1 FY21

Financial statement summary – Bajaj Housing Finance Limited B BAJAJ FINSERV in Crore Financials snapshot Q1 FY21 Q1 FY20 Yo Y FY20 FY19 Yo Y Assets under management 32,982 21,745 52% 32,705 17,562 86% Assets under finance 28,423 20,449 39% 27,975 17,332 61% Interest income 691 457 51% 2,303 998 131% Fee and other income 38 47 -19% 269 118 128% Net gain on fair value changes on Investments 27 11 145% 74 40 85% Total Income 756 515 47% 2,646 1,156 129% Interest expenses 513 317 62% 1,616 685 136% Net Interest Income 243 198 23% 1,030 471 119% Operating Expenses 74 82 -10% 339 297 14% Loan losses and provisions (ECL stage 1 & 2) 44 8 450% 86 22 291% Loan losses and provisions (ECL stage 3 & write off) 1 1 0% 38 3 1167% Profit before tax 124 107 16% 567 149 281% Profit after tax 92 70 31% 421 110 283% Ratios Operating expense to Net Interest Income 30.5% 41.4% 32.9% 63.1% Loan loss to Average AUF* 0.16% 0.05% 0.55% 0.24% Return on Average Assets* 0.3% 0.4% 1.9% 1.1% Return on Average Equity* 1.6% 1.9% 9.1% 4.2% *Not annualized Back 28

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