Financial Overview and Strategy

Key strategic differentiators Part of the Bajaj group - one of the oldest & most respected business houses A trusted brand with strong brand equity Focus on mass affluent and above clients B BAJAJ FINSERV Overall franchise of 34.48 MM and cross sell client base of 20.67 MM Strong focus on cross selling assets, insurance and wealth products to existing customer A well diversified balance sheet Centre of Excellence for each business vertical to bring efficiencies across businesses and improve cross sell opportunity Consolidated lending AUM mix for Consumer: Rural SME: Commercial: Mortgage stood at 39% 8% 14% 10%: 29% Consolidated borrowing Mix for Banks: Money Markets: Deposits stood at 37%: 50%: 13% Highly agile & innovative Continuous improvements in product features and digital technologies to maintain competitive edge Deep investment in technology and analytics. Has helped establish a highly metricised company and manage risk & controllership effectively 7

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