Bajaj Finance Limited Pitch Deck

15-years financial snapshot BAJAJ FINANCE LIMITED Values in MM USD 1 - INR 75 CAGR Financials snapshot @ FY08 FY09 FY10 FY11 FY12 FY13 FY14 FY15 FY16 FY17 FY18 FY19 FY20 FY21 FY22 (15 yrs.) AUM 330 339 538 1,010 1,748 2,336 3,208 4,321 5,897 Income from operations 67 80 122 187 290 415 543 722 8,026 10,990 978 1,332 1,701 15,452 19,620 20,393 26,327 37% 2,467 3,518 3,558 4,219 34% Interest expenses 23 22 27 49 99 161 210 300 390 507 615 883 1,263 1,255 1,300 34% Net Interest Income (NII) 44 58 95 138 190 254 333 423 587 825 1,086 1,584 2,255 2,303 2,919 35% Operating Expenses 26 29 43 617 61 89 113 153 190 253 342 436 560 755 708 1,011 30% Loan Losses & Provision 15 22 35 27 21 24 34 51 72 107 137 200 524 796 640 31% Profit before tax 4 7 18 49 80 116 145 181 262 376 512 824 976 799 1,267 51% Profit after tax 3 5 12 33 54 79 96 120 171 245 333 533 702 589 937 51% Ratios FY08 FY09 FY10 FY11 Opex to NII Return on assets Return on equity 2.0% 1.4% 2.8% 4.4% 4.2% 4.1% 3.2% 8% 19.7% 24.0% 21.9% 19.5% Net NPA * Provision coverage ratio CRAR (standalone) Leverage ratio 2.6 7% 30% 32% 55% 79% 89% 83% 76% 40.7% 38.4% 25.9% 20.0% 17.5% 21.9% 19.1% 2.5 3.8 5.9 6.4 5.3 6.2 FY12 FY13 FY14 FY15 58.1% 50.6% 44.8% 44.4% 47.0% 44.6% 46.0% 45.0% 43.1% 0.7% 3.6% 3.3% 3.5% 20.4% 20.9% 5.50% 2.20% 0.80% 0.12% 0.19% 0.28% 0.45% 0.28% 0.44% 71% 77% 19.5% 6.3 FY16 FY17 FY18 FY19 FY20 FY21 FY22 41.4% 40.2% 35.3% 33.5% 30.7% 34.6% 3.7% 3.7% 4.2% 4.1% 3.1% 4.2% 21.6% 20.1% 22.5% 20.2% 12.8% 17.4% 0.43% 0.63% 0.65% 0.75% 0.68% 74% 18.0% 6.8 20.3% 70% 24.7% 60% 20.7% 60% 25.0% 58% 28.3% 58% 27.2% 6.6 5.4 6.3 5.1 4.7 4.9 @ All figures till including FY17 are as per previous GAAP on standalone basis. All figures from FY18 onwards are as per IndAS and on consolidated basis. * As per the RBI regulations, NNPA numbers for up to 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. 23

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