Q3 FY22 Earnings Report

Financial statement summary - Bajaj Finance Limited Financials snapshot BAJAJ FINANCE LIMITED in Crore Q3 FY22 Q3 FY21 Y-o-Y 9 M FY22 9 M FY21 Y-o-Y FY21 Assets under management 1,32,913 1,09,598 21% 1,32,913 1,09,598 21% 1,15,418 Assets under finance 1,30,732 1,07,056 22% 1,30,732 1,07,056 22% 1,13,090 Interest income 6,335 4,973 27% 17,348 15,141 15% I ' Fee and other income 1,146 745 54% 2,724 1,908 43% 20,419 2,599 Net gain on fair value changes on investment 44 129 (66%) 179 487 (63%) 528 Total Income 7,525 5,847 29% 20,251 17,536 15% 23,546 Interest expenses 1,972 1,870 5% 5,625 5,723 (2%) 7,446 Net Interest Income 5,553 3,977 40% 14,626 11,813 24% 16,100 Operating Expenses 1,948 1,310 49% 5.141 3,502 47% 5,016 Loan losses and provisions 995 1.245 (20%) 3,958 4,520 (12%) 5,721 ECL stage 1 & 2 179 (2,463) (107%) (21) 229 (109%) 215 I ECL stage 3 & write off 816 3,708 (78%) 3,979 4,291 (7%) 5,506 Profit before tax 2,610 1,422 84% 5,527 3,791 46% 5,363 Profit after tax 1,934 1,049 84% 4,083 2,795 46% 3,956 Ratios Operating expenses to Net Interest Income 35.1% 32.9% 35.1% 29.6% 31.2% | Loan loss to average AUF* 0.79% 1.19% | 3.25% 4.10% 5.05% Earning per share Basic (*) * - 32.1 17.5 | 67.8 46.5 I 65.9 Return on Average Assets* I 1.5% 1.0% 3.3% 2.5% 3.5% I Return on Average Equity * 5.0% 3.1% 10.8% 8.4% 11.7% | 35 Not annualized

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