Bajaj Finance Limited Pitch Deck

Stagewise ECL provisioning as of 31 March 2022 BAJAJ FINANCE LIMITED Values in MM USD 1 - INR 75 Gross Assets Receivable ECL Provision PCR % Stage 2 Stage 2 Stage 2 Stage 1 Stage 3 Stage 1 Stage 3 Stage 1 Stage 3 OTR* Normal OTR* Normal OTR* Normal Auto Finance Business 1,177 158 165 Sales Finance Business 1,977 15 58 15 11 19 40 83 1.6% 25.0% 50.0% 7 31 0.7% 11.6% 48.2% 53.6% Consumer B2C Business 4,926 3 98 48 60 1 34 36 1.2% 20.1% 34.9% 74.9% Rural Sales Finance Business 551 3 1 2 2 1 0.4% 53.6% 84.4% Rural B2C Business 2,020 53 SME Lending Business 3,309 50 53 36 49 25 25 5 25 16 17 1.2% 23.5% 29.9% 68.8% 5 35 1 13 37 1.1% 20.5% 35.9% 75.2% Securities Lending Business 2,149 1 I 1 I I I 0.0% 0.1% 18.3% Commercial Lending Business 1,533 6 4 3 0.2% 0.2% 53.0% Mortgages 7,536 88 55 66 40 18 13 35 0.5% 20.0% 24.4% 53.3% Total as of 31 Mar 2022 25,178 96 419 418 201 19 125 242 0.8% 20.1% 29.8% 58.0% Total as of 31 Dec 2021 22,779 194 513 414 182 42 142 230 0.8% 21.8% 27.7% 55.6% Total as of 31 Dec 2019 18,188 477 314 103 90 178 0.6% 18.8% 56.7% OTR - One time Restructuring Stage 1 - Loan accounts up to 1 DPD | Stage 2 -Loan accounts in-between 2-90 DPD, including weak accounts & OTR accounts without any overdue | Stage 3 - Customer classified as NPA as per RBI guidelines 2 52

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