Investor Presentaiton

Glossary Abbreviation Expansion Abbreviation ALM Asset liability management LRD AMO After market order MF AR Augmented reality MFI BAJAJ FINANCE LIMITED Expansion Lease rental discounting Mutual funds Microfinance ASSC Authorised sales & support centre MSME Micro, Small & Medium Enterprises AUM Assets under management MTF Margin Trading Finance AUF Assets under finance NII Net interest income BBPS Bharat bill payment system NIM Net interest margin BL Business loan NNPA CC Cash credit NPA CIF Cards in force OD COF Cost of funds ONDC CV CX DF Commercial vehicle Customer experience Developer finance OTR PAT PBT DMS Debt management services PCR DSA Direct sourcing agency PL ECB External commercial borrowing PMS ECL Expected credit loss POA Net non performing assets Non performing assets Overdraft Open Network for Digital Commerce One time restructuring Profit after tax Profit before tax Provision coverage ratio Personal loan Portfolio Management Services Power of Attorney EDC Electronic data capture machine PPI Prepaid instruments FII Foreign institutional investor QR Quick response FPC Fair Practice Code ROA Return on assets FPI Foreign Portfolio Investor ROE Return on equity GMV Gross merchandise value SME Small & Medium Enterprise GNPA Gross non performing assets STP Straight through process HL Home loan T1 Trade +1 Day HNI High Networth Individual T2 Trade + 2 Days ICD Inter corporate deposits UHNI Ultra High Networth Individual IPO Initial Public Offer UI User Interface LAFD Loan against fixed deposit UPI Unified payment interface LAP Loan against property UX User Experience LAS LCR Loan against securities Liquidity Coverage Ratio WCDL Working capital demand loan XIRR Extended Internal Rate of Return 79

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