Financial Overview and Strategy

Bajaj Finserv group - Executive summary B BAJAJ FINSERV B BAJAJ FINSERV Bajaj Finserv is the financial services arm of the Bajaj group with business interest in "Lending" and "Protection and Retiral" through its various subsidiaries • BAJAJ B FINSERV Bajaj Finance Limited. • A 32 year old non bank finance company Diversified across consumer, payments, rural, SME, commercial & mortgages segments 927 urban locations and 903 rural locations with over 91,700+ distribution points • Investment grade long term issuer credit • • • rating of BBB-/ Stable and short term rating of A-3 by S&P Global Ratings Credit rating of AAA/Stable by CRISIL, India Ratings, CARE Ratings and ICRA Credit rating for short term debt program is A1+ by CRISIL, ICRA & India Ratings Large customer franchise of 34.48 MM • 23.5 MM new loans booked in FY19 . BAJAJ Allianz Bajaj Allianz General Insurance Limited • 2nd largest private general insurer in India as of FY 19 • Consistently profitable amongst the private players. ROE of 16.2% in FY19 • Multi-channel distribution supported by a wide range of products across all retail & corporate segments • Offers a wide range of general insurance products across retail and corporate segments • Combined ratio of 96.7% for FY19 and 103.9% for Q4 FY19 Recognized in the market for claims servicing • AUM of 17.2K crores Solvency ratio of 255%, well above regulatory solvency margin of 150% BAJAJ Allianz Bajaj Allianz Life Insurance Limited Amongst top 5 private players as of FY19 on new business Diversified distribution mix consisting of agency, bank assurance, other partners, direct etc. • Deep pan India distribution reach of 600+ branches • AUM of 566 BN as on 31 March 19 • Networth of 96.5 BN as on 31 March 19 • One of the most profitable private life insurers in India Solvency ratio of 804% LO 5

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