Investor Presentaiton

Financial statement summary - Consolidated BAJAJ FINANCE LIMITED in Crore Financials snapshot Assets under management Q4 FY22 197,452 Q4 FY21 Y-o-Y 152,947 29% Assets under finance 191,423 146,687 30% FY22 197,452 | 191,423 FY21 Y-o-Y 152,947 29% 146,687 30% Interest income 7,366 6,034 22% 27,270 23,304 17% Fee and other income 1,164 770 51% 4,042 2,788 45% Net gain on fair value changes on investment 100 51 97% 328 591 (45%) Total Income 8,630 6,855 26% 31,640 26,683 19% Interest expenses 2,562 2,196 17% 9,748 9,414 4% Net Interest Income 6,068 4,659 30% 21,892 17,269 27% Operating Expenses Loan losses and provisions Profit before tax 2,101 1,605 31% 7,585 5,308 43% 702 1,231 (43%) 4,803 5,969 (20%) 3,265 1,823 79% 9,504 5,992 59% Profit after tax 2,420 1,347 80% 7,028 4,420 59% Ratios Operating expenses to Net Interest Income 34.6% 34.5% 34.6% 30.7% Loan loss to average AUF* 0.38% 0.87% 2.84% 4.14% Earning per share - Basic (*) * 40.1 22.4 | 116.6 73.6 Return on Average Assets* 1.3% 0.9% 4.2% 3.1% | Return on Average Equity * 5.7% 3.7% | 17.4% 12.8% 32 *Not annualized

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