Investor Presentaiton

10-year financial snapshot BAJAJ FINANCE LIMITED Values in MM USD 1 = 74 INR Financials snapshot FY18@ FY19@ FY12 FY13 FY14 FY15 FY16 FY17 (Consol.) (Consol.) FY20Ⓡ (Consol.) FY21@ (Consol.) (FY20-FY21) YOY CAGR (10 yrs) Assets under management 1,771 2,367 3,251 4,380 5,977 8,135 11,138 15,661 19,886 20,669 4% 31% Income from operations 294 420 550 732 991 1,350 1,724 2,500 3,566 3,606 1% 32% Interest expenses 101 163 213 304 396 514 624 895 1,280 1,272 (1%) 33% Net Interest Income (NII) 193 257 338 428 595 836 1,100 1,605 2,286 2,334 2% 32% Operating Expenses 91 115 156 193 256 346 442 567 765 717 (6%) 26% Loan Losses & Provision (ECL) 21 25 35 52 73 109 139 203 531 807 52% 50% Profit before tax 81 118 147 183 266 381 519 835 989 810 (18%) 29% Profit after tax 55 80 97 121 173 248 337 540 711 597 (16%) 30% Ratios FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 Opex to NII 47.0% 44.6% 46.0% 45.0% 43.1% 41.4% 40.2% 35.3% 33.5% 30.7% Return on assets 4.2% 4.1% 3.6% 3.3% 3.5% 3.7% 3.7% 4.2% 4.1% 3.1% Return on equity 24.0% 21.9% 19.5% 20.4% 20.9% 21.6% 20.1% 22.5% 20.2% 12.8% Net NPA NPA provisioning coverage 0.12% 89% 0.19% 83% 0.28% 0.45% 0.28% 0.44% 0.43% 0.63% 0.65% 0.75% 76% 71% 77% 74% 70% 60% 60% 58% @ All figures till including FY17 are as per previous GAAP, whereas for FY18 onwards are as per IndAS As per the RBI regulations, NNPA numbers for upto FY15 are at 6 months overdue, FY16 are at 5 months overdue, FY17 are at 4 months overdue and FY18 onwards are at 3 months overdue. Hence NPA across periods are not comparable. 19

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