Financial Overview and Strategy

Key takeaways on liquidity The Company and its housing finance subsidiary (BHFL) have continued to maintain a strong ALM profile as of 31 Mar 2019 The Company continued to maintain strong liquidity profile: • The total consolidated liquidity buffer (free cash and cash equivalents) was at ₹6,612 crore as of 31 Mar 2019 The liquidity buffer (free cash and cash equivalents) as of 31 Mar 2019 was 4,857 crore in BFL and 1,755 crore in BHFL The Company also has undrawn CC/ OD and bank lines of ₹3,003 crore in BFL and 635 crore in BHFL Deposits franchise continued to grow in a healthy manner. The consolidated deposits contribution was at 13% of total liability mix as of 31 Mar 2019. The Company is confident of growing deposits contribution to 18-20% by Mar 2020. The Company continued to get access to funding from money markets, banks, retail and corporate depositors despite the continued challenges faced by the NBFC and HFC sector in Q4 FY19 Total funds raised by BFL and BHFL through money market and term loans were ₹21,299 crore • BFL raised 10,671 crore from money market and ₹ 4,700 crore through term loans from banks in Q4 FY19 BHFL raised 4,528 crore from money market and 1,400 crore from bank loans in Q4 FY19 26

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