Investor Presentaiton

BHFL Core Strategy ☐ ☐ TOP 4 MORTGAGE ORIGINATOR BUILD A LOW-RISK BUSINESS MODEL In 5 years of operations, BHFL ranks among top 7 mortgage (top 3 HFC) originators in India Aim to be amongst the top 4 mortgage originators in the country To create a low-risk sustainable balance sheet delivering GNPA in corridor of 0.6%- 0.8% and ROE of 13-15% Focus largely on salaried home loan opportunity B BAJAJ FINSERV FOCUS ON CROSS SELL ☐ 69.1 Mn customer base of BFL Focus on customer data enrichment to create right propositions Lower risk DIVERSIFIED HL FOCUSED BUSINESS MIX Entire suite of products available to meet customer mortgage requirements Home loans to contribute 60%-65% of portfolio Risk based business mix to ensure low risk portfolio contribution FOCUS ON FEE INCOME Mortgage is a highly competitive & low margin business with minimal pricing width available Focus on cross-sell income through cross-selling / up-selling customized VAS products & services FOCUS ON MASS AFFLUENT (+) CLIENTS Focus on mass affluent and above customer segment Average age of 35-40 years and average salary of 10-20 lakhs ■ Launched affordable housing vertical 18

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