BFL Loan Loss Provision and Operating Expenses

1 BFL - Key Strategic Differentiators STRATEGY BAJAJ B FINSERV Diversified financial services strategy seeking to optim ise risk and profit, to deliver a sustainable business model and deliver a superior ROE and ROA • Focused on continuous innovation to transform customer experience to create growth opportunities. DIFFERENTIATORS Focus on mass affluent and above clients Strong focus on cross selling to existing customers Highly agile & highly innovative Deep investment in technology and analytics. Diversified asset mix supported by strong ALM and broad-based sources of borrowings. Overall customer franchise of 50.45 Mn. and Cross sell client base of 27.43 Mn. Centre of Excellence for each business vertical to bring efficiencies across businesses and improve cross sell opportunity. 79% of new loans in Q1 FY22 were to existing clients Continuous improvement in features of products & timely transitions to maintain competitive edge Has helped establish a highly metricised company and manage risk & controllership effectively Consolidated lending AUM mix for Consumer: Rural : SME Commercial Mortgage stood at 34% 10% : 13% 11% 32% as of 30th June 2021 Consolidated borrowing mix for Banks: Money Markets: Deposits: ECB stood at 31% 44% 21% :4% 12

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