Bajaj Finserv Financial Overview

Financial statement summary - Bajaj Finance Limited B BAJAJ FINSERV USD 1 = INR 75 Values in MM Financials snapshot Q1 FY21 Q1 FY20 Yo Y FY20 FY19 Yo Y Assets under management 14,211 14,393 -1% 15,480 13,156 18% Assets under finance 13,860 13,955 -1% 15,122 12,691 19% Interest income 680 619 10% 2,756 2,012 37% Fee and other income 75 79 -5% 361 274 32% Net gain on fair value changes on investment 32 9 234% 61 34 79% Total Income 787 707 11% 3178 2,320 37% Interest expenses 265 240 10% 1048 792 32% Net Interest Income 522 468 12% 2,130 1,528 39% Operating Expenses 146 163 -11% 715 527 36% Loan losses and provisions (ECL stage 1 & 2) 185 16 1035% 164 32 416% Loan losses and provisions (ECL stage 3 & write off) 34 56 -39% 343 165 108% Profit before tax 158 233 -32% 908 805 13% Profit after tax 116 150 -23% 651 519 25% Ratios Operating expense to Net Interest Income 27.9% 34.8% 33.6% 34.5% Loan loss to Average AUF* 1.51% 0.54% 3.65% 1.73% Return on Average Assets* 0.8% 1.1% 4.7% 4.6% Return on Average Equity* * Not annualized 2.7% 5.6% 19.0% 22.0% Back 27

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