BHFL Strengths and Mortgage Products Overview

Strong Underwriting and debt management capabilities B BAJAJ FINSERV Separate dedicated underwriting structures for salaried and self-employed loans Retail Loans Underwriting (Home Loans & Loan Against Property) ☐ Salaried loans follow a hub model while self-employed loans are underwritten across all locations to address business and collateral related nuances Tele-PD for all salaried loans while physical PD with underwriter mandatory for all self-employed loans Legal and technical evaluation of collateral though in-house collateral team and empaneled vendors as per the regulatory norms Checkpoints / hind-sighting processes over the life-cycle of the loan Commercial Loans Underwriting (Developer Finance & Lease Rental Discounting) Dedicated underwriting structure of subject matter experts with relevant domain experience For LRD transactions: In-depth assessment of customer's borrowing requirement, credit history, financials, market stature, borrowing entity structure, collateral site, credibility of lessee's, lock-in period For DF transactions: detailed assessment of developers history, project site, approvals, cash flows, existing projects performance Use of industry best practices and tools for the preparation of Credit Approval Memo (CAM) for each commercial transaction Centralized disbursal of all commercial transaction for better controllership Debt Management Approach ☐ Dedicated debt management structure for all Retail loans – urban as well as rural Debt management is done through in-house debt management team - no external agencies Backed by a strong legal structure Dedicated team in place for efficient resolution of legal cases at different stages 22

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