Financial Overview and Strategy

ECL summary - consolidated Assets categorization Stage 1 & 2 Stage 3 BAJAJ B FINSERV Mar '18 Jun '18 Sep '18 Dec '18 Mar '19 98.59% 1.41% 98.61% 98.51% 98.45% 98.46% 1.39% 1.49% 1.55% 1.54% Summary of stage wise assets and provision for impairment allowance Assets and impairment allowance Mar'18 Jun '18 Sep '18 Dec '18 Mar'19 Gross stage 1 & 2 assets 81,317 90,639 97,366 1,07,148 1,15,347 Impairment allowance stage 1 & 2 721 815 871 947 981 Net stage 1 & 2 assets 80,596 89,824 96,495 1,06,201 1,14.367 Coverage ratio stage 1 & 2 assets 0.89% 0.90% 0.89% 0.88% 0.85% Gross stage 3 assets 1,160 1,276 1,467 1,686 1,799 Impairment allowance stage 3 810 880 950 1,020 1,077 Net stage 3 assets 350 396 517 666 722 Coverage ratio stage 3 assets 70% 69% 65% 61% 60% Overall coverage ratio 1.86% 1.84% 1.84% 1.81% 1.76% 48

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