Investor Presentaiton

Executive summary - Bajaj Finance Limited BAJAJ FINANCE LIMITED SME Business • Offers unsecured working capital loans to SME and self-employed professionals • Secured offerings include enterprise loans against property • Focused on accelerating used car financing business (average ticket size of ~ ₹ 7 lakhs) Commercial business Treasury • Credit Quality • Focused on affluent SMEs (average sales of 15 to 17 crore) with established financials & demonstrated borrowing track record ⚫ Offers short, medium and long-term financing to mid market corporates • Focused on auto ancillaries, pharma, specialty chemicals, financial institution groups, lease rental discounting and top mid corporate clients in India Strategy is to create a balanced mix of wholesale and retail borrowings with a focus on long term borrowings Borrowings stood at 1,23,040 crore with a mix of 53% : 18% : 25% : 4% between money markets, banks, deposits & ECB as of 31 March 2022 • • • GNPA and NNPA as of 31 March 2022 stood at 2.02% and 0.85% respectively Provisioning coverage ratio as of 31 March 2022 was 58% Provisioning coverage on stage 1 & 2 stood at 151 bps as of 31 March 2022 Credit Rating ● Credit rating for long term borrowing is AAA/Stable by CRISIL, ICRA, CARE & India Ratings Credit rating for short term borrowing is A1+ by CRISIL, ICRA & India Ratings • • Credit rating for FD program is FAAA/Stable by CRISIL & MAAA (Stable) by ICRA Long term issuer credit rating of BB+/Positive and short-term rating of B by S&P Global ratings 27

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