Executive Summary Q3 FY21

Executive summary - Consolidated Overview Subsidiaries Treasury Credit Quality 33-year-old non bank with a demonstrated track record of profitable growth BAJAJ B FINSERV • Diversified financial services company focused on Consumer, Rural, SM E, Commercial, Mortgages and Payments Focused on mass affluent client with a strategy to cross sell • Strong focus on deposits acceptance and fee product distribution. Present in 1,210 urban locations and 1,604 rural locations in India with over 1,02,800+ point of sale Large customer franchise of 46.31 MM Amongst the largest new loan acquirers in India (6.04 MM in Q3 FY21) AUM mix of Consumer: Rural: SME: Commercial: Mortgages stood at 36% 9% 13% 9% 33% as of 31 Dec 2020 AUM of 1,43,550 crore as of 31 Dec 2020 and a post tax profit of 1,146 crore in Q3 FY21 Capital adequacy ratio (including Tier II capital) stood at 28.18% as of 31 Dec 2020. Tier I capital stood at 24.73% 100% shareholding in Bajaj Housing Finance Limited • 100% shareholding in Bajaj Financial Securities Limited. • Strategy is to create a balanced mix of wholesale and retail borrowings Borrowings of 124,162 crore with a mix of 42: 35: 19: 4 between money markets, banks, deposits & ECB as of 31 Dec 2020 • Consolidated Gross and Net NPA as of 31 Dec 2020 stood at 0.55% and 0.19%, respectively Provisioning coverage ratio as of 31 Dec' 2020 was 65% • Provisioning coverage on stage 1 & 2 stood at 190 bps as of 31 Dec 2020 versus 369 bps as of 30 Sept 2020. This was 90-100 bps during pre-pandemic situation. 20

View entire presentation