Executive Summary Q3 FY21

Portfolio credit quality - Consolidated Business & professional loans B BAJAJ FINSERV Rural Lending B2B 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Stage 1st Bucket 2nd Bucket ■3rd Bucket 4th Bucket 15th Bucket Stage 1 2 98.76% 98.82% 98.75% 98.59% 98.42% 98.35% 98.27% 93.43% 97.19% 1 99.44% 99.54% 99.26% 98.93% 98.87% 99.21% 99.33% 92.84% 99.21% 0.81% 0.78% 0.82% 0.92% 1.10% 1.12% 1.13% 6.10% 1.92% 2 0.32% 0.24% 0.45% 0.63% 0.51% 0.36% 0.32% 7.11% 0.52% do do do do do do do 7% 6% 8% 7% 5% 6% 5% 4% 4% 3% 3% 2% 2% 1% 0% do do do do do do do do do 1% 0% Sep '18 Dec 18 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 Rural lending B2C Loan against property Stage 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 15th Bucket Stage 1 98.54% 98.80% 98.85% 98.65% 98.47% 98.32% 98.32% 90.94% 94.75% 1 99.16% 96.95% 97.65% 97.70% 97.31% 97.06% 97.06% 96.93% 97.31% 2 1.07% 0.76% 0.74% 0.91% 1.02% 1.13% 1.09% 8.29% 3.44% 2 0.17% 0.19% 0.23% 0.14% 0.60% 0.27% 0.30% 2.36% 1.78% 10% 9% 8% 7% 6% 5% 4% 3% 2% 1% 0% Sep '18 Dec'18 Mar'19 Jun;19 Dec'20 numbers are net of provision excl stage 1. 3.5% 3.0% 2.5% 2.0% 1.5% 1.0% 0.5% 0.0% 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 50

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