Executive Summary Q3 FY21

Portfolio stage wise provisioning - Q3 FY21 B BAJAJ FINSERV in crore Gross Assets Receivable Stagew ise Provision PCR % Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Stage 1 Stage 2 Stage 3 Auto Finance Business 9,779 2,634 1,617 122 375 813 1.2% 14.3% 50.3% Sales Finance Business 10,217 222 265 152 114 233 1.5% 51.4% 87.8% Consumer B2C Business 27,118 1,393 982 357 410 628 1.3% 29.4% 63.9% Rural Sales Finance Business 2,418 34 52 22 19 46 0.9% 54.2% 87.8% Rural B2C Business 10,603 422 416 107 115 254 1.0% 27.1% 61.1% SM E Lending Business 18,469 493 452 243 149 292 1.3% 30.3% 64.6% Securities Lending Business 4,971 11 0 3 0 0 0.1% 3.5% 0.0% Commercial Lending Business 7,483 36 0 16 1 0 0.2% 2.2% 0.0% Mortgages 41,918 647 410 384 120 168 0.9% 18.5% 41.1% Total (Q3 FY21) 1,32,974 5,892 4,194 1,405 1,303 2,433 1.1% 22.1% 58.0% Total (Q3 FY20) 1,36,407 3,579 2,354 770 672 1,335 0.6% 18.8% 56.7% Gross Assets receivables Provision Net Assets receivables Total (Q3 FY21) Total (Q3 FY20) 1,43,061 1,42,339 ' 5,141 1,37,920 2,778 1,39,561 Stage 1 - Customer with no overdue on reporting date; Stage 2 - Customer with 1 & 2 instalments overdue, including weak accounts without any overdue; Stage 3 - Customer with 3 & above instalments overdue 48

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