Investor Presentaiton

Financial statement summary - Consolidated Financials snapshot Assets under management Assets under finance BAJAJ FINANCE LIMITED Values in MM USD 1 = 74 INR Q4 FY21 Q4 FY20 Q-o-Q FY21 FY20 Y-o-Y 20,669 19,886 4% 20,669 19,886 4% 19,823 19,105 4% 19,823 19,105 4% Interest income 815 852 (4%) 3,149 3,104 1% Fee and other income 104 102 2% 377 389 (3%) Net gain on fair value changes on investment 7 24 (71%) 80 73 10% Total Income 926 977 (5%) 3,606 3,566 1% Interest expenses 297 344 (14%) 1,272 1,280 (1%) Net Interest Income 630 633 (1%) 2,334 2,285 2% Operating Expenses Loan losses and provisions 217 196 11% 717 765 (6%) 166 264 (37%) 807 531 52% ECL stage 1 & 2 1 116 (99%) 56 178 (69%) ECL stage 3 & write off 166 148 12% 751 353 113% 246 173 43% 810 989 (18%) 182 128 42% 597 711 (16%) Profit before tax Profit after tax Ratios Operating expenses to Net Interest Income 34.5% 31.0% 30.7% 33.5% Loan loss to average AUF* 0.87% 1.39% 4.14% 3.10% Earning per share - Basic ($) 0.30 0.21 0.99 1.21 Return on Average Assets** 0.9% 0.7% 3.1% 4.1% Return on Average Equity * Not annualized ܀ 3.7% 2.9% 12.8% 20.2% 28

View entire presentation