Financial Overview and Strategy

Credit quality - Portfolio composition Consumer durable 1st Bucket Two & three wheeler BAJAJ B FINSERV 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket 1st Bucket ■ 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket ■5+ Bucket Bkt 0 97.83% 98.38% 98.58% 98.83% 98.91% 99.04% 98.91% 98.96% 98.69% Bkt 0 85.67% 85.88% 85.82% 87.85% 88.76% 87.60% 88.32% 89.68% 90.15% 30+ 30+ 1.35% 0.95% 0.83% 0.69% 0.65% 0.53% 0.62% 0.59% 0.75% 6.84% 6.98% 7.14% 6.21% 5.55% 5.96% 5.68% 5.04% 4.65% 2.50% 16.00% 14.00% 2.00% 12.00% 1.50% 10.00% 8.00% 1.00% 6.00% 4.00% 0.50% 2.00% 0.00% T 0.00% Mar'17 Jun '17 Sep '17 Dec 17 Mar'18 Jun '18 Sep '18 Dec'18 Mar'19 Mar'17 Jun '17 Sep '17 Dec'17 Mar'18 Jun '18 Sep '18 Dec' 18 Mar'19 Lifestyle 1st Bucket 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Digital product 1st Bucket ■ 2nd Bucket 3rd Bucket 4th Bucket 5th Bucket Bkt 0 97.32% 97.32% 98.35% 98.63% 98.66% 98.59% 98.73% 98.77% 98.49% 30+ 1.70% 1.71% 0.94% 0.75% 0.77% 0.80% 0.67% 0.59% 0.79% 3.00% Bkt 0 30+ 3.00% 97.27% 97.87% 98.68% 98.86% 98.49% 98.47% 98.72% 98.81% 98.30% 1.72% 1.30% 0.74% 0.60% 0.88% 0.89% 0.74% 0.70% 1.01% 2.50% 2.50% 2.00% 2.00% 1.50% 1.50% 1.00% 1.00% 0.50% 0.50% 0.00% 0.00% Mar'17 Jun '17 Sep '17 Dec 17 Mar'18 Jun '18 Sep '18 Dec' 18 Mar'19 Mar'17 Jun '17 Sep '17 Dec 17 Mar'18 Jun '18 Sep '18 Dec'18 Mar'19 43

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