Investor Presentaiton

Executive summary - Bajaj Housing Finance Ltd. BAJAJ FINANCE LIMITED Lease Rental Discounting • Offers loan against lease rentals to high-net-worth individuals and developers on commercial property leased mainly to corporate tenants • Offers construction finance for commercial properties to existing LRD customers Developer Financing • • All lease rental discounting transactions are backed by rentals through escrow mechanism • Ticket size of lease rental discounting ranges up to 550 crore with an average ticket size of approximately 40 crore Currently present across 13 locations in India Offers construction finance and inventory finance mainly to category A and A+ developers in India Average ticket size ranges between 25 - 30 crore Currently present in 9 locations Credit Quality • GNPA and NNPA, recognized as per extant RBI prudential norms and provisioned as per Expected Credit Loss (ECL) method prescribed in Ind AS, as of 31 March 2022 stood at 0.31% and 0.14% respectively Treasury Credit Rating • Strategy is to create a balanced and sustained mix of borrowings • Borrowings stood at 41,492 crore with a mix of 59% : 41% between banks and money markets as of 31 March 2022 against mix of 61% : 39% as of 31 December 2021 • Credit rating for long term borrowing is AAA/Stable by CRISIL & IND AAA/Stable by India Ratings Credit rating for short term borrowing is A1+ by CRISIL & IND A1+ by India Ratings 29

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