Financial Overview and Strategy

NPA movement - consolidated BAJAJ B FINSERV Values in Cr Particulars Mar'18* Jun'18 Sep'18 Dec'18 Mar'19 Assets Under Management 82,422 91,287 98,013 1,07,508 1,15,888 Opening GNPA (A) 1,254 1,164 1,280 1,471 1,691 Roll Forward into NPA (i) 298 378 480 702 593 Restructuring (ii) 4 1 3 13 14 Total Slippages (B = i + ii) 302 379 483 715 607 Roll back to standard (iii) 140 117 141 177 204 Realisation on sale of NPA receivables (iv) 64 33 19 Write offs (v) 188 146 150 285 270 Total recoveries and write-offs (C = iii + iv + v) 392 263 291 495 494 Net slippages (B - C) (90) 116 191 220 113 Gross NPA (A + B - C) 1,164 1.280 1,471 1,691 1,804 GNPA % 1.41% 1.39% 1.49% 1.55% 1.54% NNPA % * 0.43% 0.44% 0.53% 0.62% 0.63% PCR % 70% 69% 65% 60% 60% *March'18 numbers are recast as per Ind AS 47

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