BHFL Strengths and Mortgage Products Overview

Financials B BAJAJ FINSERV in Crore Financials snapshot Assets under management Q4 FY21 Q4 FY20 Yo Y FY21 FY20 Yo Y 38,871 32,705 19% 38,871 32,705 19% Assets under finance 33,419 27,975 19% 33,419 27.975 19% Interest income 743 687 8% 2,877 2,303 25% Fee and other income 88 58 52% 218 269 (19%) Net gain on fair value changes on Investments 9 29 (69%) 60 74 (19%) Total Income 840 774 9% 3,155 2,646 19% Interest expenses 471 491 (4%) 1,966 1,616 22% Net Interest Income 369 283 30% 1,189 1,030 15% Operating Expenses 98 72 36% 329 339 (3%) Loan losses and provisions 30 89 (66%) 247 124 99% ECL stage 1 & 2 19 69 (72%) 199 86 131% ECL stage 3 & write off 11 20 (45%) 48 38 26% Profit before tax 241 122 98% 613 567 8% Profit after tax 179 91 97% 453 421 8% Ratios Operating expense to Net Interest Income 26.6% 25.4% 27.7% 32.9% Loan loss to Average AUF* 0.09% 0.33% 0.80% 0.55% Return on Average Assets* 0.6% 0.3% 1.5% 1.9% Return on Average Equity* * Not annualized 3.0% 1.9% 7.8% 9.1% 7

View entire presentation