Bajaj Finserv Financial Overview

Financial statement summary - Consolidated BAJAJ B FINSERV USD 1 INR 75 Values in MM Financials snapshot Q1 FY21 Q1 FY20 Yo Y FY20 FY19 Yo Y Assets under management 18,407 17,186 7% 19,620 15,452 27% Assets under finance 17,649 16,682 6% 18,850 15,002 26% Interest income 772 680 14% 3,063 2,180 40% Fee and other income 79 83 -5% 384 247 55% Net gain on fair value changes on investment 35 11 218% 72 40 80% Total Income 887 774 14% 3,518 2,467 43% Interest expenses 333 282 18% 1,263 883 43% Net Interest Income 554 493 12% 2,255 1,584 42% Operating Expenses 154 172 -11% 755 560 35% Loan losses and provisions (ECL stage 1 & 2) 191 17 1000% 176 35 407% Loan losses and provisions (ECL stage 3 & write off) 34 56 -39% 348 165 110% Profit before tax 175 247 -29% 976 824 18% Profit after tax 128 159 -19% 702 533 32% Ratios Operating expenses to Net Interest Income 27.9% 35.0% 33.5% 35.3% Loan loss to average AUF* 1.23% 0.46% 3.10% 1.57% Return on Average Assets* 0.7% 1.0% 4.1% 4.2% Return on Average Equity 2.9% 5.9% 20.2% 22.5% Not annualized Back 26

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