Investor Presentaiton

Executive summary - Bajaj Finance BAJAJ FINANCE LIMITED · Offers unsecured working capital loans to SME and self-employed professionals • Secured offerings include enterprise loans against property SME Business • Focused on accelerating used car financing business • • Focused on affluent SMEs with established financials & demonstrated borrowing track record Offers medical equipment financing from 3 Lakh to 6 crore for medical professionals • Commercial business ● · Offers short, medium and long-term financing to mid market corporates Focused on auto ancillaries, pharma, specialty chemicals, financial institution groups, lease rental discounting and top mid corporate clients in India Strategy is to create a balanced mix of wholesale and retail borrowings with a focus on long term borrowings · Strategy is that deposits should contribute to 25% of consolidated borrowings Treasury • Credit Quality • Borrowings stood at 2,00,170 crore with a mix of 47% 24% 29% between money markets, banks and deposits as of 31 December 2023 GNPA and NNPA as of 31 December 2023 stood at 1.18% and 0.46% respectively Provisioning coverage ratio as of 31 December 2023 was 62% • Provisioning coverage on stage 1 & 2 stood at 116 bps as of 31 December 2023 Credit Rating 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 CRISIL AAA (Stable) by CRISIL & ICRA AAA (Stable) by ICRA • Long term issuer credit rating of BBB-/Stable and short-term rating of A-3 by S&P Global ratings • Reserve Bank of India Regulated by • Securities and Exchange Board of India 27

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