Bajaj Finance Limited Pitch Deck

Lead financial indicators BAJAJ FINANCE LIMITED 1. Strong Core AUM growth* of $ 1,445 MM in Q4. In Q4, AUM growth was secular across all lines of businesses. In FY22, the Company added $ 5,241 MM of core AUM. 2. AUM as of 31 March 2022 was up 29% at $ 26,327 MM as against $ 20,393 MM as of 31 March 2021. In FY22, AUM composition remained steady. 3. In Q4, the Company booked 6.28 MM new loans as against 5.47 MM in Q4 FY21. In FY22, new loans booked were 24.68 MM as compared to 16.88 MM in FY21. 4. In Q4, volume growth in B2B consumption businesses was 15% and disbursements growth was 27%. B2B disbursements were $ 1,758 MM in Q4 FY22 as against $ 1,387 MM in Q4 FY21. 5. In Q4, the Company added 2.21 MM new customers to its franchise. 6. Customer franchise stood at 57.57 MM as of 31 March 2022, a growth of 19% YoY. Highest ever customer franchise addition of 9 MM in FY22. Cross sell franchise stood at 32.77 MM, a growth of 22% YoY. The Company is comfortable adding 8-9 MM new customers in FY23. 7. In Q4, the Company added 81 new locations. Geographic presence stood at 3,504 locations and 1,33,200+ distribution points as of 31 March 2022. 8. Competitive intensity remained elevated across products. The Company continues to protect its margin profile across businesses. It reflected in core AUM growth of 26% and NIM growth of 30%. 9. In Q4, cost of funds was 6.71%. Liquidity buffer stood at $ 1,348 MM as of 31 March 2022. Liquidity buffer has now normalized to pre-covid levels. *Core AUM growth = (AUM growth for the quarter - short tenor IPO financing book + additional losses on account of COVID, if any). 5

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