Financial Overview and Strategy

Consolidated key performance highlights for FY19 B BAJAJ FINSERV Custom er franchise as of 31 Mar 2019 32% to 34.48 MM from 26.22 MM as of 31 Mar 2018. During the year, the company acquired 8.27 MM new customers • New loans booked during FY19 53% to 23.50 MM from 15.34 MM in FY18 • Existing customers contributed to 65% of new loans booked during FY19 versus 60% in FY18 • AUM as of 31 Mar 2019 was 41% to 1,15,888 crore from 82,422 crore as of 31 Mar 2018. The Company has added receivables of 33,410 crore in FY19 • Net Interest Income for FY19 ◆46% to ₹11,878 crore from ₹8,143 crore in FY18 • Operating expenses to net interest income ratio im proved to 35.3% for FY19 versus 40.2% for FY18 • Loan losses and provisions for FY19 were 1,501 crore as against ₹1,030 crore in FY18 • Profit after tax for FY19 60% to 3,995 crore from 2,496 crore in FY18 • Return on Assets and Return on Equity for FY19 were 4.2% and 22.5% respectively • Gross and Net NPA stood at 1.54% and 0.63%, respectively. The provisioning coverage ratio was 60% • Standard assets provisioning of 85 bps (ECL stage 1 & 2) under Ind AS as against requirement of ~40 bps as per RBI and NHB • Capital adequacy ratio (including Tier-Il capital) as of 31 March 2019 stood at 20.66%. The Tier-1 capital stood at 16.27%. • Deposits book 69% to 13,193 crore as of 31 Mar 2019 from 7,793 crore as of 31 Mar 2018. Deposits contributed to 13% of the consolidated borrowings The Board of Directors has recommended a dividend of ₹6 per equity share of the face value of ₹2 (300%) for FY19 (Previous year 4 per equity share of the face value of 2 i.e. 200%) 16

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