Financial Overview and Strategy

Executive summary - Bajaj Finance Limited Standalone Overview • Focused on Consumer, Payments, Rural, SME and Commercial lines of businesses B BAJAJ FINSERV Strategic business unit organization design supported by horizontal com m on utility functions to drive domain expertise, scalability and operating leverage Focused on cross sell, custom er experience and product & process innovations to create a differentiated & profitable business model . AUM mix of Consumer: Rural: SM E: Commercial: Mortgage (residual) stood at 45% 9% 16% 12% 18% as of 31 Mar 2019 . AUM of 98,671 crore as of 31 Mar 2019 and a post tax profit of 3,890 crore in FY19 • Capital adequacy ratio (including Tier II capital) stood at 20.66% as of 31 Mar 2019. The Tier I capital stood at 16.27% Consumer business • Present in 927 locations with 74,400+ active distribution point of sale • Largest consumer electronics, digital products & lifestyle products lender in India Payments Rural business . • • • Financed 44% of Bajaj Auto's domestic two wheeler sales in Q4 FY19 - disbursed 268K accounts Financed 39% of Bajaj Auto's three wheeler sales in Q4 FY19 - disbursed 40K accounts Amongst the largest personal loan lenders in India EMI Card franchise crossed 18.7 MM cards in force (CIF) Bajaj Finserv - RBL Bank co-branded credit card CIF stood at 10.53 Lacs as of 31 Mar 2019 Bajaj Finserv Mobikwik app has 8.3 MM active users as at 31 Mar 2019 who have linked their EMI card to the wallet • Highly diversified lender in rural markets offering 10 loan products across consumer and professional business categories. • Operates with a unique hub and spoke business model • Geographic presence across 903 towns and villages with retail presence across 14,500+ stores 12

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