Financial Overview and Strategy

Consolidated key performance highlights for Q4 FY19 B BAJAJ FINSERV Customer franchise as of 31 Mar 2019 32% to 34.48 MM from 26.22 MM as of 31 Mar 2018. During the quarter, the company acquired 1.92 MM new customers New loans booked during Q4 FY19 53% to 5.83 MM from 3.80 MM in Q4 FY18 Existing customers contributed to 67% of new loans booked during Q4 FY19 versus 63% in Q4 FY18 AUM as of 31 Mar 2019 was 41% to 1,15,888 crore from 82,422 crore as of 31 Mar 2018. The Company has added receivables of 8,386 crore in Q4 FY19 Net Interest Income for Q4 FY19 50% to 3,395 crore from 2,265 crore in Q4 FY18 Operating expenses to net interest income ratio im proved to 34.6% in Q4 FY19 versus 39.5% in Q4 FY18 Loan losses and provisions for Q4 FY19 were 409 crore as against 227 crore in Q4 FY18 Profit after tax for Q4 FY19 57% to ₹1,176 crore from 748 crore in Q4 FY18 Return on Assets and Return on Equity, non annualized, for Q4 FY19 were 1.1% and 6.2% respectively Gross and Net NPA stood at 1.54% and 0.63%, respectively. The provisioning coverage ratio was 60% Standard assets provisioning of 85 bps (ECL stage 1 & 2) under Ind AS as against requirement of ~40 bps as per RBI and NHB Capital adequacy ratio (including Tier-Il capital) as of 31 March 2019 stood at 20.66%. The Tier-I capital stood at 16.27%. Deposits book 69% to 13,193 crore as of 31 Mar 2019 from 7,793 crore as of 31 Mar 2018. Deposits contributed to 13% of the consolidated borrowings 15

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