Bajaj Finserv Financial Performance Q1 FY21

Executive summary - Consolidated Overview Subsidiaries Treasury Credit Quality 33-year-old non bank with a demonstrated track record of profitable growth BAJAJ B FINSERV • Diversified financial services company focused on Consumer, Rural, SM E, Commercial, Mortgages and Payments Focused on mass affluent client with a strategy to cross sell • Strong focus on deposits acceptance and fee product distribution Present in 1,049 urban locations and 1,359 rural locations in India with over 1,14,400 + points of sale Large customer franchise of 42.95 MM with loans Amongst the largest new loan acquirers in India (1.75 MM in Q1 FY21) AUM mix of Consumer: Rural: SME: Commercial: Mortgages stood at 37% 9% 13% 7% 34% as of 30 June 2020 AUM of ₹1,38,055 crore as of 30 June 2020 and a post tax profit of 962 crore in Q1 FY21. Capital adequacy ratio (including Tier II capital) stood at 26.4% as of 30 June 2020. Tier I capital stood at 22.6% 100% shareholding in Bajaj Housing Finance Limited • 100% shareholding in Bajaj Financial Securities Limited. • Strategy is to create a balanced mix of wholesale and retail borrowings Borrowings of 121,120 crore with a mix of 40: 39: 17: 4 between money markets, banks, deposits & ECB as of 30 June 2020 • Consolidated Gross and Net NPA as of 30 June 2020 stood at 1.40% and 0.50%, respectively • Provisioning coverage ratio of 65% as of 30 June 2020 • Standard assets provisioning of 273 bps (ECL stage 1 & 2) under Ind AS as against requirement of ~40 bps as per RBI and NHB. This includes contingency provision of ₹2,350 crores for COVID-19. Excluding the same, standard assets provisioning stood at 101 bps. Back 20

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