Financial Overview and Strategy

Glossary 2W Two Wheeler IFA Independent Financial Advisor 3W Three Wheeler IRR Internal Rate of Return A CM F Auto Components Manufacturer Financing LAP Loan Against Property ALM Asset & Liability Management LAS Loan Against Securities AR Assets Receivable MF ARU Activation, Retention & Usage MM Mutual Fund Million A SC Authorized Service Centers M SM E Micro, Small & Medium Enterprise AUF Assets Under Finance NII Net Interest Income AUM Assets Under Management NNPA Net Non Performing Assets B2B Business to Business NTB New to Bajaj Finance B2C Business to Customer Opex Operating Expenses BHFL Bajaj Housing Finance Ltd. PAT Profit After Tax BL Business Loan PBT Profit Before Tax CA GR Compounded Annual Growth Rate POS Point of Sale CIF Cards in Force PPC Products Per Customer CPI Consumer Price Index RBI Reserve Bank of India ECL Expected Credit Loss ROA Return on Assets EM I Existing Member Identification ROE Return on Equity EPS Earnings Per Share SE Self Employed FIG Financial Institutions Group SME Small & Medium Enterprise FII Foreign Institutional Investor TAT FPI Foreign Portfolio Investment TTD GNPA Gross Non Performing Assets WPI Turn Around Time Through the Door Wholesale Price Index H HL Home Loan B BAJAJ FINSERV 58

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