Financial Overview and Strategy

Financial Statement Summary - Consolidated B BAJAJ FINSERV in crore Financials snapshot Assets under management Total income Q4 FY19 Q4 FY18 Yo Y FY19 FY18 Yo Y 1,15,888 82,422 41% 1,15,888 82,422 41% 5.308 3,492 52% 18,502 12,757 45% Interest expenses 1,913 1,227 56% 6,624 4,614 44% Net Interest Income (NII) 3,395 2,265 50% 11,878 8,143 46% Operating Expenses 1,174 894 31% 4,198 3.270 28% Impairment of financial assets (ECL stage 1 & 2)^ 34 12 183% 260 129 102% Impairment of financial assets (ECL stage 3 & write off)^ 375 215 74% 1,241 901 38% Profit before tax 1,812 1,144 58% 6,179 3,843 61% Profit after tax 1,176 748 57% 3,995 2,496 60% Ratios Q4 FY19 Q4 FY18 FY 19 FY18 Total Opex to NII 34.6% 39.5% 35.3% 40.2% Loan loss to AUM* 0.35% 0.28% 1.30% 1.25% Earning per share Basic () * - 20.4 13.0 69.3 44.4 Return on Average Assets* 1.1% 1.0% 4.2% 3.7% Return on Average Equity * 6.2% 4.8% 22.5% 20.1% ^ Read it as loan losses and provisions * Not annualized 17

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