Executive Summary Q3 FY21

- Conservative leverage standards – Bajaj Finance Limited BAJAJ B FINSERV 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 7.0 28.2% 26.4% 26.6% 24.7% 6.6 25.0% 6.4 22.0% 6.2 5.3 19.1% 17.5% 18.7% 18.0% 16.2% 16.1% 15.0% 14.2% 14.6% 6.31 24.7% 22.6% 23.0% 20.3% 5.4 20.7% 21.3% 19.5% 19.7% 5.1 * 4.7 4.7 4.6 16.3% 5.7% 5.0% 4.4% 3.8% 3.3% 3.4% 3.7% 3.8% 3.6% 3.5% 3.0% 2.5% Mar'12 Mar'13 -Tier 1 Capital Mar'14 Mar'15 -Tier 2 Capital Mar'17 Mar'16 -Total Capital Adequacy Ratio (CRAR) Mar'18 Mar'19 Mar 20 -Leverage Ratio Jun '20 Sep'20 Dec'20 Leverage Threshold * Standalone leverage is approximately 3.9X as of 31 Dec 2020 Capital Adequacy Ratios (CRAR) are on standalone basis Mar '19 onwards numbers are as per Ind AS denotes point at which the Company initiated its capital raising plan in last 9 years 30

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