LRS 2023-27 Execution Plan

Key strategic differentiators Part of the Bajaj group - one of the oldest & most respected business houses Focus on mass affluent and above clients Strong focus on cross selling assets, payments, insurance and deposit products to existing customers A well diversified balance sheet Agile and innovative Committed to technology and analytics to transform customer experience Committed to digital BAJAJ FINANCE LIMITED A trusted brand with strong brand equity Total customer franchise of 66.05 MM Highly data oriented. Deep data talent bench and technology architecture to enable cross sell Consolidated lending AUM mix for Urban: Rural: SME: Commercial: Mortgages stood at 33%: 10% : 13% : 12% : 32%. Consolidated borrowing mix for Money Markets: Banks: Deposits: ECB stood at 47% 31% : 21% : 1% Continuous transformation in product features and digital technologies to maintain competitive edge Has helped achieve multi product cross sell and manage risk & controllership effectively. Focussed on delivering frictionless experience to customer Has adopted digital technology trends and navigated from digitisation to digitalisation. Now transforming to a customer centric digital enterprise 31

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