Financial Overview and Strategy

Leverage risk assessment of unsecured portfolios Personal loans cross sell Salaried personal loans B BAJAJ FINSERV 110% 106% 102% 115% 111% 106% 102% 98% 97% 94% 93% 90% 88% OM 3M 6 M 9 M 12M 15M 18 M 21M 24M OM 3M 6 M 9 M 12 M 15M 18 M 21M 24M Business loans Professional loans 140% 130% 130% 120% 120% 110% 110% 100% 100% 90% 90% 80% 80% OM 3M 6 M 9 M 12M 15 M 18 M 21M 24M OM 3M 6 M 9 M 12M 15M 18 M 21M 24M -Q4FY17 —Q1FY18 Q2FY18 -Q3FY18 -Q4FY18 -Q1FY19 Q2FY19 -Q3FY19 -Q4FY19 51

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