Investor Presentaiton

Strategic construct - 2024-28 1 Products (9) Be amongst the top 5 players in each product line New Product Lines: Embedded Insurance (Apr'24), Commercial Vehicle, Bharat mortgages, Auto Leasing, Industrial Equipment Finance, Postpaid & Co-lending (H1 FY25) New Product Innovations: Assured buyback on new car (Live Dec'23), Bajaj+ EV (Sept'24) 3 Platforms (8) Dominate all platforms of consumer presence & deliver 25% of total business from digital platforms Consumer App - 10 MM monthly downloads with 90% retention rate Consumer Web - 1 BN organic hits and No SEM Marketplace - Investment marketplace 2.0 and Insurance marketplace 2.0 Social - Marketing and Commerce Rewards - Bajaj Prime 5 Subsidiaries Grow and dominate in their respective industries Leverage BFL platforms and customer franchise to originate Mortgages and broking accounts for subsidiaries. Contribute 12-15% of retail mortgages and 50-60% of broking accounts BAJAJ FINANCE LIMITED 2 Geography (2) जहाँ B BAJAJ FINSERV वहाँ B BAJAJ FINSERV ~ के सारे products Domestic - Geography 2.0 - All products in all locations, Win U.P. Bihar & Nort-East 4 Horizontal functions(17) Hardest problems to solve Risk - Know everyone, Credit Risk, Operational Risk Operations & Service - O Paper, O identity mismatch, O Hold, O Cost, Gen-Al enabled DMS - Scalable & resilient, O complaints Technology - Low bandwidth, Integrated UAT, O Bug, O downtime Treasury - O liquidity drag Marketing - O Paid traffic, CDP Timeline in () represent go live timelines 72

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