Investor Presentaiton

Resilient business model - Consolidated BAJAJ FINANCE LIMITED 45.0% 43.1% 46.5% 42.5% 41.4% 41.8% 38.4% 37.8% 36.9% 36.0% 35.3% 35.4% 34.6% 34.6% 33.9% 33.3% 30.7% 35.1% 34.0% 29.9% 33.5% 34.0% 27.2% 26.4% 9.87% 9.47% 9.00% 8.24% 8.27% 8.39% 7.84% 6.81% 7.04% 7.61% 7.67% 7.76% 3.3% 3.5% 3.7% 3.9% 4.1% 4.1% Mar'15 Mar'16 Mar'17 Mar'18 COF Mar '19 -ROA Mar'20 3.1% Mar'21 -Fee Income to PBT 5.3% 5.4% 5.2% 4.2% 4.9% Mar'22 Mar'23 Jun'23 Sep'23 Dec'23 Opex to NII @All figures till FY2018 are as per Previous GAAP and from Mar '19 onwards numbers are as per Ind AS. Jun'23, Sep'23 and Dec'23 COF number is for the quarter. 38

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