Financial Overview and Strategy

Portfolio Credit quality - Including BHFL Personal loans cross sell 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 15th Bucket BAJAJ B FINSERV Salaried personal loans 1st Bucket ■ 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Bkt 0 30+ 97.29% 97.18% 97.26% 97.46% 97.62% 97.64% 97.69% 97.81% 97.76% Bkt 0 30+ 99.52% 99.50% 99.57% 99.63% 99.70% 99.66% 99.68% 99.70% 99.70% 1.38% 1.50% 1.45% 1.36% 1.27% 1.26% 1.22% 1.20% 1.22% 0.31% 0.37% 0.30% 0.27% 0.22% 0.22% 0.24% 0.23% 0.22% 0.60% 3.00% 0.50% 2.50% 0.40% 2.00% 0.30% 1.50% 1.00% 0.20% 0.50% 0.10% 0.00% 0.00% Mar'17 Jun '17 Sep 17 Dec'17 Mar'18 Jun '18 Sep 18 Dec'18 Mar'19 Mar'17 Jun '17 Sep 17 Dec'17 Mar'18 Jun '18 Sep '18 Dec 18 Mar'19 Business & professional Loan against property* 1st Bucket 2nd Bucket 3rd Bucket ■4th Bucket 15th Bucket 1st Bucket ■ 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket Bkt 0 98.68% 98.51% 98.60% 98.55% 98.68% 98.76% 98.76% 98.82% 98.75% 30+ 0.92% 1.03% 0.94% 0.98% 0.95% 0.84% 0.85% 0.83% 0.86% 1.60% Bkt 0 30+ 3.00% 99.24% 99.07% 98.55% 98.27% 99.16% 99.27% 99.16% 96.95% 97.65% 0.72% 0.88% 1.41% 1.57% 0.80% 0.66% 0.81% 2.97% 2.25% 1.40% 2.50% 1.20% 1.00% 2.00% 0.80% 1.50% 0.60% 1.00% 0.40% 0.50% 0.20% .! 0.00% 0.00% Mar'17 Jun '17 Sep '17 Dec'17 Mar'18 Jun '18 Sep '18 Dec' 18 Mar'19 Mar'17 Jun '17 Sep 17 Dec 17 Mar'18 *Adjusted for IL&FS, Mar '19 current portfolio is 99.32% Jun '18 Sep '18 Dec'18 Mar'19 44

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