Financial Overview and Strategy

- Executive summary – Bajaj Finance Limited Consolidated Overview • 32 year old non bank with a demonstrated track record of profitable growth BAJAJ B FINSERV • · · Diversified financial services company focused on Consumer, Payments, Rural, SM E, Commercial and Mortgages Focused on mass affluent client with a strategy to cross sell Strong focus on deposits acceptance and fee product distribution Present in 927 urban locations and 903 rural locations in India with over 91,700+ distribution points • Large customer franchise of 34.48 MM with loans cross sell franchise of 20.67 M M • Consolidated AUM mix of Consumer: Rural: SME: Commercial: Mortgages stood at 39% 8% 14% 10% 29% as of 31 Mar 2019 • Consolidated AUM of 1,15,888 crore as of 31 Mar 2019 and a post tax profit of 3,995 crore in FY19 · Subsidiaries • Amongst the largest new loan acquirers in India (5.83 MM in Q4 FY19) 100% shareholding in Bajaj Housing Finance Limited. Treasury • 100% shareholding in Bajaj Financial Securities Limited Strategy is to create a balanced mix of wholesale and retail borrowings Consolidated borrowings of ₹1,01,588 crore with a mix of 37: 50: 13 between banks, money markets and deposits as of 31 Mar 2019 Credit Quality • Consolidated Gross and Net NPA as of 31 Mar 2019 stood at 1.54% and 0.63%, respectively Provisioning coverage ratio of 60% as of 31 Mar 2019 Standard assets provisioning of 85 bps (ECL stage 1 & 2) under Ind AS as against requirement of ~40 bps as per RBI and NHB 11

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