Financial Overview and Strategy

Financial statement summary - Bajaj Housing Finance Limited in crore Financials snapshot Assets under management Total Interest & fee income Q4 FY19 Q4 FY18 FY19 FY18 17,562 3,570 17,562 3,570 431 66 1,156 106 Interest expenses Net Interest Income (NII) Operating Expenses Impairment of financial assets (ECL stage 1 & 2)^ 269 34 685 47 162 32 471 59 68 25 297 44 CO 6 3 21 4 Impairment of financial assets (ECL stage 3 & write off)^ 2 4 Profit before tax 86 4 149 11 Profit after tax 62 4 110 10 Ratios Total Opex to NII Loan loss to AUM* Return on Average Assets* Return on Average Equity* Q4 FY19 Q4 FY18 FY19 FY18 42.0% 78.1% 63.1% 74.6% 0.0% 0.1% 0.1% 0.1% 0.4% 0.1% 1.1% 0.6% 2.0% 0.4% 4.2% 1.1% Λ ^ Read it as loan losses and provisions * Not annualized B BAJAJ FINSERV 39

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