LRS 2023-27 Execution Plan

Executive summary - Consolidated Overview BAJAJ FINANCE LIMITED 35-year-old non-bank with a demonstrated track record of profitable growth Diversified financial services company focused on Urban, Rural, SME, 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 3,714 locations with over 143.9K+ point of sale • • Customer franchise of 66.05 MM as of 31 December 2022 Amongst the largest new loan acquirers in the country (7.84 MM in Q3 FY23) AUM mix as of 31 December 2022 - Urban : Rural: SME: Commercial: Mortgages stood at 33% : 10% : 13% : 12% : 32% AUM of 2,30,842 crore as of 31 December 2022 and post tax profit of 2,973 crore in Q3 FY23 Capital adequacy ratio (including Tier II capital) of 25.14% as of 31 December 2022. Tier I capital stood at 23.28% Subsidiaries • 100% shareholding in Bajaj Housing Finance Limited • 100% shareholding in Bajaj Financial Securities Limited Treasury • Strategy is to create a balanced mix of wholesale and retail borrowings Credit Quality • Borrowings of 2,01,318 crore with a mix of 47% 31% 21% : 1% between money markets, banks, deposits & ECB as of 31 December 2022 Consolidated GNPA and NNPA as of 31 December 2022 stood at 1.14% and 0.41% respectively Provisioning coverage ratio was 64% as of 31 December 2022 Provisioning coverage on stage 1 & 2 stood at 116 bps as of 31 December 2022 35 5

View entire presentation