Executive Summary Q3 FY21

10-year financial snapshot BAJAJ B FINSERV in crore FY18° Financials snapshot FY11 FY12 FY13 FY14 FY15 FY16 FY17 (Consol.) FY19° (Consol.) FY20° Yo Y CAGR (Consol.) (FY19-FY20) (10 yrs) Assets under management 7,573 13,107 17,517 24,061 32,410 44,229 60,196 82,422 1,15,888 1,47,153 27% 39% Income from operations 1,406 2,172 3.110 4,073 5,418 7,333 9,989 12,757 18,500 26,386 43% 39% Interest expenses 371 746 1,206 1,573 2,248 2,927 3,803 4,614 6,623 9,473 43% 43% Net Interest Income (NII) 1,035 1,426 1,904 2,500 3,170 4,406 6,186 8,143 11,877 16,913 42% 36% Operating Expenses 460 670 850 1,151 1,428 1,898 2,564 3,270 4,197 5,662 35% 32% Loan Losses & Provision (ECL) 205 154 182 258 385 543 804 1,030 1,501 3,929 162% 39% Profit before tax 370 602 872 1,091 1,357 1.965 2,818 3,843 6,179 7,322 18% 39% Profit after tax 247 406 591 719 898 1,279 1,837 2,496 3,995 5,264 32% 40% Ratios FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 Opex to NII 44.4% 47.0% 44.6% 46.0% 45.0% 43.1% 41.4% 40.2% 35.3% 33.5% Return on assets Return on equity Net NPA * NPA provisioning coverage 4.4% 4.2% 19.7% 24.0% 21.9% 0.80% 0.12% 0.19% 79% 83% 4.1% 3.6% 3.3% 3.5% 3.7% 3.7% 4.2% 4.1% 19.5% 0.28% 20.4% 20.9% 21.6% 20.1% 22.5% 20.2% 0.45% 0.28% 0.44% 0.43% 0.63% 0.65% 89% 76% 71% 77% 74% 70% 60% 60% All figures till including FY17 are as per previous GAAP, whereas for FY18 onwards are as per IndAS * As per the RBI regulations, NNPA numbers for upto FY15 are at 6 months overdue, FY16 are at 5 months overdue, FY17 are at 4 months overdue and FY18 onwards are at 3 months overdue. Hence NPA across periods are not comparable. 18

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