Financial Overview and Strategy

ECL summary - Bajaj Housing Finance Limited ECL categorization Stage 1 & 2 Stage 3 Jun '18 100.00% Sep '18 99.98% Dec '18 Mar'19 99.97% 99.95% 0.00% 0.02% 0.03% 0.05% Summary of stage wise assets and provision for impairment allowance Assets and impairment allowance Jun '18 Sep '18 Dec '18 Mar'19 Gross stage 1 & 2 assets 7.260 10,701 14.004 17,363 Impairment allowance stage 1 & 2 10 14 20 26 Net stage 1 & 2 assets 7,250 10,687 13,984 17,337 Coverage ratio stage 1 & 2 assets 0.14% 0.13% 0.14% 0.15% Gross stage 3 assets 0.25 2.15 4.03 9.49 Impairment allowance stage 3 0.1 0.5 1.0 3.4 Net stage 3 assets 0.2 1.6 3.0 6.1 Coverage ratio stage 3 assets 33% 24% 26% 35% Overall coverage ratio 0.14% 0.14% 0.15% 0.17% B BAJAJ FINSERV 40

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