Investor Presentaiton

Financial statement summary - Bajaj Finance Ltd. BAJAJ FINANCE LIMITED Values in MM USD 1 = 74 INR Financials snapshot Q4 FY21 Q4 FY20 QoQ FY21 FY20 YOY Assets under management 15,597 15,689 (1%) 15,597 15,689 (1%) Assets under finance 15,282 15,327 0% 15,282 15,327 0% Interest income 715 759 (6%) 2,759 2,793 (1%) I Fee and other income 92 102 (10%) 351 366 (4%) Net gain on fair value changes on investment 6 20 (72%) 71 62 15% Total Income 812 880 (8%) 3,182 3,221 (1%) Interest expenses 233 278 (16%) 1,006 1,062 (5%) Net Interest Income 579 603 (4%) 2,176 2,159 1% Operating Expenses Loan losses and provisions ECL stage 1 & 2 ECL stage 3 & write off 205 188 9% 678 725 (6%) 162 252 (36%) 773 514 50% -2 106 (102%) 29 167 (83%) 164 146 13% 744 348 114% Profit before tax Profit after tax 212 163 30% 725 920 (21%) 157 121 30% 535 660 (19%) Ratios Operating expense to Net Interest Income 35.3% 31.1% 31.2% 33.6% Loan loss to Average AUF* 1.09% 1.64% 5.05% 3.65% Return on Average Assets* 1.1% 0.8% 3.5% 4.7% Return on Average Equity* Not annualized 3.3% 2.8% 11.7% 19.0% 29

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