Financial Overview and Strategy

Portfolio Credit quality - Including BHFL Home loans B BAJAJ FINSERV Rural Lending B2B 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 15+ Bucket 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Bkt 0 99.02% 98.91% 98.82% 98.96% 99.48% 99.49% 99.40% 99.54% 99.52% Bkt 0 99.11% 99.25% 99.49% 99.56% 99.46% 99.49% 99.44% 99.54% 99.26% 30+ 0.90% 0.92% 0.93% 0.80% 0.21% 0.47% 0.43% 0.32% 0.41% 30+ 0.68% 0.55% 0.38% 0.30% 0.38% 0.37% 0.38% 0.32% 0.50% 1.00% 1.40% 1.20% 0.80% 1.00% 0.60% 0.80% 0.60% 0.40% 0.40% 0.20% 0.20% 0.00% 0.00% Mar'17 Jun '17 Sep 17 Dec 17 Mar'18 Jun '18 Sep '18 Dec'18 Mar'19 Mar'17 Jun '17 Sep '17 Dec'17 Mar'18 Jun '18 Sep '18 Dec 18 Mar'19 Rural lending B2C 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Bkt 0 99.15% 98.98% 98.73% 98.73% 98.79% 98.72% 98.54% 98.80% 98.85% 30+ 0.58% 0.65% 0.74% 0.83% 0.69% 0.72% 0.85% 0.86% 0.82% 1.60% 1.40% 1.20% 1.00% 0.80% 0.60% 0.40% 0.20% 0.00% Mar'17 Jun '17 Sep '17 Dec'17 Mar'18 Jun '18 Sep '18 Dec 18 Mar'19 Commercial lending business portfolio is 100% current except one NPA infra account of 36 crore, of which 20 crore has been provided for. Securities lending portfolio is 100% current 45

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