BFL Loan Loss Provision and Operating Expenses

BAGIC: Diversified Channel Mix BBAJAJ Allianz Channel Mix 23% 27% 27% 20% 25% 37% 40% 37% 42% 43% 7% 3% 4% 6% 2% 12% 12% 13% 10% 11% 21% 20% 18% 21% 20% FY19 FY20 FY21 Q1 FY21 Q1 FY22 Individual Agents Corporate Agents - Banks Corporate Agents Others Brokers Direct Business Bancassurance Partnerships Agency & Retail Channels OEMs & Dealer Partnerships • Over 242 Bank partners 16 National Tie-ups & MNC Banks 37 NBFCs, 5 SFBs, 1 Payments Bank 141 Co-operative banks, 8 RRBs 34 Others • 47,000+ agents & 46,900+ POS • Virtual Sales Offices ⚫Direct Channels to drive upsell • Agency segmented under prime, key, emerging and Retail and SME • 32 national Tie-ups and over 9000 network of dealers . across pan India National Tie-ups with Maruti, Hyundai, Volkswagen, BMW, Audi, Honda, Land Rover, Ford, Mahindra, Citreon, JCB, Royal Enfield Note: The components might not add up to total of 100% due to rounding off Rural Focus 19.2 Million+ farmers covered under PMFBY in last 4 years • 30,000+ active CSC centers Presence in ecosystems 15+ Partnerships across in suretech companies, aggregators, wallets such as Phone Pe, payments bank, etc 29

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