Bajaj Finance Limited Pitch Deck

Financial statement summary - Consolidated BAJAJ FINANCE LIMITED Values in MM USD 1 - INR 75 Financials snapshot Q4 FY22 Q4 FY21 Y-o-Y FY22 FY21 Y-o-Y Assets under management 26,327 20,393 29% 26,327 20,393 29% Assets under finance 25,523 19,558 30% 25,523 19,558 30% Interest income 982 805 22% 3,636 3,107 17% Fee and other income 155 103 51% 539 372 45% Net gain on fair value changes on investment 13 7 97% 44 79 (45%) Total Income 1,151 914 26% 4,219 3,558 19% Interest expenses 342 293 17% 1,300 1,255 4% Net Interest Income 809 621 30% 2,919 2,303 27% Operating Expenses 280 214 31% 1,011 708 43% Loan losses and provisions 94 164 (43%) 640 796 (20%) Profit before tax 435 243 79% 1,267 799 59% Profit after tax 323 180 80% 937 589 59% Ratios Operating expenses to Net Interest Income 34.6% 34.5% 34.6% 30.7% Loan loss to average AUF* 0.38% 0.87% 2.84% 4.14% Earning per share - Basic ($) * 0.53 0.30 1.55 0.98 Return on Average Assets* 1.3% 0.9% 4.2% 3.1% Return on Average Equity * 5.7% 3.7% | 17.4% 12.8% 32 *Not annualized

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