Executive Summary Q3 FY21

Key strategic differentiators Part of the Bajaj group - one of the oldest & most respected business houses A trusted brand with strong brand equity BAJAJ B FINSERV Focus on mass affluent and above clients Total customer franchise of 46.31 MM Strong focus on cross selling assets, payments, insurance and deposit products to existing customers A well diversified balance sheet Highly agile & innovative Deep investment in technology and analytics 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: Mortgages stood at 36% 9% 13% 9% 33% Consolidated borrowing mix for Money Markets :Banks: Deposits: ECB stood at 42% 35% 19% 4% Continuous improvements in product features and digital technologies to maintain competitive edge. Has helped achieve multi product cross sell and manage risk & controllership effectively. Obsessed to deliver frictionless experience to customer 16

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