Bajaj Finserv Financial Overview

Executive summary - Bajaj Finance Limited SME Business . Offers unsecured working capital loans to SM E and self-employed professionals . • Secured offerings include enterprise loans against property and financing against used car Commercial business Treasury B BAJAJ FINSERV USD 1 INR 75 • Focused on affluent SM Es (average sales of $2 to 2.25 MM) with established financials & demonstrated borrowing track record . Offers short, medium and long term financing to mid market corporates Offers a range of structured products collateralized by marketable securities or mortgage • Offers financing against shares, mutual funds, insurance policies and deposits Strategy is to create a balanced mix of wholesale and retail borrowings with a focus on long term borrowings Borrowings stood at $ 12,762 MM with a mix of 43: 31: 21: 5 between money markets, banks, deposits & ECB as of 30 June 2020 Credit Quality . Gross and Net NPA as of 30 June 2020 stood at 1.75% and 0.61%, respectively Credit Rating . . Provisioning coverage ratio of 65% as of 30 June 2020 Standard assets provisioning of 332 bps (ECL stage 1 & 2). This includes contingency provision of $ 301 MM for COVID-19. Excluding the same, standard assets provisioning stood at 122 bps. • Credit rating for long term borrowing is AAA/ Stable by CRISIL, ICRA, CARE & India Ratings . • Credit rating for short term borrowing is A1+ by CRISIL, ICRA & India Ratings • Credit rating for FD program is FAAA/Stable by CRISIL & MAAA (Stable) by ICRA Long term issuer credit rating of BB+/ Stable and short term rating of B by S&P Global 22

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