LRS 2023-27 Execution Plan

Portfolio credit quality – Consolidated Business & professional loans - - Rural B2B BAJAJ FINANCE LIMITED Stage ■1st Bucket ■ 2nd Bucket ■3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 1 98.27% 98.50% 97.30% 98.51% 98.73% 98.93% 99.02% 99.06% 99.14% 1 99.33% 99.75% 98.89% 2nd Bucket 99.60% 3rd Bucket 99.82% 99.79% 4th Bucket 5th Bucket 99.73% 99.64% 99.70% 2 1.13% 1.18% 1.97% 1.04% 0.90% 0.69% 0.63% 0.55% 0.41% 2 0.32% 0.10% 0.80% 0.18% 0.14% 0.18% 0.24% 0.28% 0.22% 3% 1.2% 1.0% 2% 0.8% 0.6% 1% 0.4% 0.2% 0% 0.0% Feb'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Feb'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Rural B2C Stage ■1st Bucket Loan against property 2nd Bucket 3rd Bucket ■4th Bucket 5th Bucket Stage ■1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 5+ Bucket 1 98.32% 97.67% 95.47% 94.49% 95.83% 97.79% 98.05% 97.94% 98.02% 1 97.06% 98.47% 96.23% 97.15% 97.88% 98.56% 98.44% 98.62% 98.81% 2 1.09% 1.83% 3.59% 4.19% 2.73% 1.83% 1.65% 1.70% 1.57% 2 0.30% 0.50% 2.69% 1.76% 1.29% 0.79% 0.98% 0.86% 0.72% 4.0% 6% 3.5% 5% 3.0% 4% 2.5% 3% 2.0% 1.5% 2% 1.0% 1% 0.5% 0% 0.0% Feb'20 Mar'21 Jun'21 Sep'21 Dec'21 Portfolio credit quality after adjusting ECL provisions | Feb'20 has been retained as a pre covid benchmark Mar'22 Jun'22 Sep'22 Dec'22 Feb'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 67

View entire presentation