Investor Presentaiton

Business Update ☐ B BAJAJ FINSERV The Company saw improvement in GNPA and NNPA which stood at 0.27% and 0.11% as of 30 June 2022 as against 0.31% and 0.14% as of 31 March 2022 ☐ Bounce rates inched up marginally by 1 bps at 4.05% in Q1FY23 against 4.04% in Q4FY22 Overall stage 2 assets, stood at 492 Cr as of 30 June 2022 as against 604 Cr as of 31 March 2022. Overall stage 3 assets stood at 134 Cr as of 30 June 2022 as against 146 Cr as of 31 March 2022 The Company had a one-time restructuring (OTR) pool of 0.10% as of 30 Jun 2022 as against 0.32% as of 31 Mar 2022 which is still under moratorium. These loans have been classified under Stage 2 and the Company continues to carry 20% provisioning as against the regulatory requirement of 10% Loss provisioning for the quarter was 7 Cr as against 26 Cr in Q1FY22. The Company holds management overlay of 220 Cr as of 31 Mar 2022 as against 211 Cr as of 31 Mar 2022 Cost of funds moved up marginally in Q1FY23 and stood at 6.28% as against 6.25% for Q4FY22. COF is expected to move up in current quarter post repo rate hikes in May and June. Liquidity buffer stood at 3,500 Cr as of 30 June 2022 Borrowing mix as of 30 June 2022 was at 53%: 32%: 1%: 14% between banks: money market: ICD: assignment. 7

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