Bajaj Finserv Financial Overview

ECL summary - Consolidated B BAJAJ FINSERV Assets categorization Jun '19 Sep '19 Dec '19 Mar'20 Jun'20 Stage 1 & 2 (represents standard assets) 98.40% 98.39% 98.39% 98.39% 98.60% Stage 3 (represents GNPA) 1.60% 1.61% 1.61% 1.61% 1.40% Summary of stage wise assets and provision for impairment allowance Assets and impairment allowance Jun '19 Sep'19 Dec '19 Mar'20 USD 1 = INR 75 Values in MM Jun '20 Gross Stage 1 & 2 assets* (A) 17.143 18,074 19,138 19.227 18,195 ECL Provision Stage 1 & 2 (B) 148 165 192 307 497 Net Stage 1 & 2 assets (C = A-B) 16,995 17.908 18,945 18,920 17,698 ECL Provision % Stage 1 & 2 assets (D = B/A) 0.86% 0.91% 1.01% 1.59% 2.73% Gross Stage 3 assets (E) @ 279 295 314 315 258 ECL Provision Stage 3 (F) 169 177 178 190 168 Net Stage 3 assets (G = E-F) 110 118 136 125 91 Coverage Ratio % Stage 3 assets (H= F/ E) 61% 60% 57% 60% 65% Overall coverage ratio 1.82% 1.86% 1.90% 2.54% 3.60% * Gross stage 1 & 2 assets represent loans balance as per Ind AS after adjusting for the impact of am ortisation of fees earned and acquisition cost incurred including other assets like security deposits, advance to dealer, receivable from related parties, capital advances etc @ Gross Stage 3 assets represents loans balance as per Ind AS after adjusting for the impact of (i) am ortisation of fees earned and acquisition cost incurred and (ii) overdue interest considered recoverable under Ind AS and other receivables considered as non-performing as at the end of respective periods. Back 46

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