Bajaj Finance Limited Pitch Deck

Portfolio credit quality - Consolidated Business & professional loans BAJAJ FINANCE LIMITED Rural Lending B2B Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket ■5th Bucket Stage ■1st Bucket 2nd Bucket 1 98.35% 98.27% 93.43% 97.19% 98.50% 97.30% 98.51% 98.73% 98.93% 1 99.21% 99.33% 92.84% 99.21% 3rd Bucket 99.75% 98.89% 4th Bucket ■5th Bucket 99.60% 99.82% 99.79% 2 1.12% 1.13% 6.10% 1.92% 1.18% 1.97% 1.04% 0.90% 0.69% 2 0.36% 0.32% 7.11% 0.52% 0.10% 0.80% 0.18% 0.14% 0.18% 7% 8% 6% 7% 6% 5% 5% 4% 4% 3% 3% 2% 2% 1% 1% 0% 0% Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Rural lending B2C Stage 1 ■1st Bucket 98.32% 98.32% 2nd Bucket 90.94% 94.75% ■ 3rd Bucket 97.67% 4th Bucket 95.47% 94.49% 5th Bucket 95.83% Loan against property Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket ■5+ Bucket 97.79% 1 97.06% 97.06% 96.93% 97.31% 98.47% 96.23% 97.15% 97.88% 98.56% 2 1.13% 1.09% 8.29% 3.44% 1.83% 3.59% 4.19% 2.73% 1.83% 2 0.27% 0.30% 2.36% 1.78% 0.50% 2.69% 1.76% 1.29% 0.79% 4.0% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Dec'19 Feb'20 • Portfolio credit quality after adjusting ECL provisions 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% Sep'20 Dec'20 Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 Dec'19 Feb'20 Sep'20 Dec'20 Mar'21 Jun'21 Sept'21 Dec'21 Mar'22 54

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