Investor Presentaiton

6-years financial snapshot - BHFL BAJAJ FINANCE LIMITED Values in MM | USD 1 – INR 82 Financials snapshot AUM FY18 FY19 FY20 FY21 FY22 FY23 CAGR (6 yrs.) 435 2,142 3,988 4,740 6,503 8,442 81% Total income Interest expenses Net Interest Income (NII) Operating Expenses Loan Losses & Provision Profit before tax 13 615 O 7 0 1 Profit after tax 1 ཨེ ཆེ ༥ ༦ ཤྲ ལྔ ¥ 141 323 385 459 691 I 122% 197 240 263 392 133% 126 145 197 299 111% 41 40 15 30 NG 57 77 70% 22 15 99% 69 75 117 207 174% 51 55 87 153 163% Ratios FY18 FY19 FY20 FY21 FY22 FY23 Opex to NII 74.6% 63.1% 32.9% 27.7% 29.2% 25.7% Loan loss to avg. AUF 0.22% 0.24% 0.55% 0.80% 0.45% 0.23% Return on assets 0.6% 1.1% 1.9% 1.5% 1.8% 2.3% Return on equity 1.1% 4.2% 9.1% 7.8% 11.1% 14.6% Gross NPA 0.00% 0.05% 0.08% 0.35% 0.31% 0.22% Net NPA 0.00% 0.04% 0.05% 0.22% 0.14% 0.08% Provision coverage ratio 35% 38% 38% 54% 64% CRAR (standalone) 45.12% 25.81% 25.15% 21.33% 19.71% 22.97% Leverage ratio 3.03 5.26 5.62 6.28 7.20 6.16 Capital infusion* 146 244 183 305 22 * Capital infusion of $ 40 MM prior to FY18

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