Executive Summary Q3 FY21

Portfolio credit quality - Consolidated Consumer durable + Lifestyle Two & three-wheeler B BAJAJ FINSERV Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 98.90% 98.96% 98.73% 98.60% 98.47% 98.55% 98.65% 92.10% 98.92% 1 88.32% 89.68% 90.15% 88.70% 87.63% 85.81% 86.00% 72.62% 76.15% 2 0.74% 0.70% 0.90% 0.96% 1.04% 0.96% 0.89% 7.80% 0.78% 2 9.60% 8.36% 8.06% 9.39% 10.17% 11.69% 11.27% 25.19% 17.59% 9% 30% 8% 25% 7% 6% 20% 5% 15% 4% 3% 10% 2% 5% 1% 0% 0% Sep '18 Dec'18 Mar'19 Jun '19 Sep '19 Dec'19 Feb'20 Sep'20 Dec'20 Sep '18 Dec'18 Mar'19 June '19 Sep 19 Dec'19 Feb 20 Sep 20 Dec'20 Digital product B2C loans Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1 98.51% 98.59% 98.52% 98.29% 98.12% 98.02% 98.00% 90.52% 95.44% 98.72% 98.81% 98.30% 97.69% 97.85% 98.24% 98.49% 88.74% 98.78% 2 0.87% 0.80% 1.21% 1.51% 1.37% 1.08% 0.97% 11.14% 0.88% 1.08% 1.03% 1.09% 1.20% 1.33% 1.39% 1.43% 9.03% 3.35% 2 12% 10% 8% 6% 4% 2% 0% Sep '18 Dec'18 1% 0% Mar'19 June '19 Sep '19 Dec' 19 Feb'20 Sep 20 Dec 20 Sep '18 Dec'18 Mar'19 Jun '19 Sep 19 Dec'19 Feb'20 Sep 20 Dec'20 Dec'20 numbers are net of provision excl stage 1. 49 09876543210 10% 9% 8% 7% 6% 5% 4% 3% 2% do do do do do do do do do do do

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