Executive Summary Q3 FY21

Executive summary - Q3 FY21 Capital BAJAJ B FINSERV 28. The Company continues to remain very well capitalized with CRAR of 28.18% as of 31 Dec 2020. Tier-1 capital was 24.73%. The Company has adequate capital to meet its next 3 years growth aspiration. Update on Business transformation: 29. The Company has accelerated its business transformation journey to provide financial products and services to its 46 MM. customers in a seamless manner by creating an omnichannel framework. The omnichannel model will enable the customer to move between online to offline and vice versa in a frictionless manner. 30. Business transformation required significant change in operating processes and core technology stack of the Company. The Company has made significant progress on these counts and expects to complete this process by May'21. An integrated offering & Omnichannel model will enable the Company to become a moment of truth company for the customers. 31. The Company is also developing or significantly transforming 4 'Productivity apps' - Sales One app, Merchant app, Collections app and Partner app. These apps will significantly im prove the productivity and efficiencies of our employees, channel partners and merchant ecosystem by May'21. Once deployed, this will require much lower headcount addition as a proportion of growth. 32. The Company is in the process of launching 'Bajaj Pay for consumers' in Q4. Bajaj Pay will offer an integrated payment solution comprising of UPI, PPI, EMI card and credit card to its customers. 33. The Company is building 'Bajaj Pay for merchants'. This will broaden payment solution offering for our ~103 K merchants and enable disproportionate growth in our market share from these merchants in the medium term. 34. The Company is building 5 proprietary marketplaces, 'EMI Store', 'Insurance Marketplace', 'Investment Marketplace', 'BF Health' and broking app with the help of group Companies. These 5 apps will provide customers with an option to review, compare and buy host of financial products and services across electronics, insurance, investments and health. 9

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