Home Loans and Financial Growth Strategies

6 Yr. Financial Snapshot in Crore B FINSERV BAJAJ Financials snapshot FY18 FY19 FY20 FY21 FY22 FY23 CAGR (6 yrs.) AUM 3,570 17,562 32,705 38,871 53,322 69,228 81% Total income 106 1,156 2,646 3,155 3,767 5,665 122% I Interest expenses 47 685 1,616 1,966 2,155 3,211 133% Net Interest Income (NII) 59 471 1,030 1,189 1,612 2,454 111% Operating Expenses 44 297 339 329 471 630 70% Loan Losses & Provision 4 25 124 247 181 124 99% Profit before tax 11 149 567 613 960 1,700 174% Profit after tax 10 110 421 453 710 1,258 163% Key Ratios: FY18 FY19 FY20 FY21 FY22 FY23 Opex to NII 74.6% 63.1% 32.9% 27.7% 29.2% 25.7% Loan loss to avg. AUF 0.22% 0.24% 0.55% 0.80% 0.45% 0.23% Return on assets 0.6% 1.1% 1.9% 1.5% 1.8% 2.3% Return on equity 1.1% 4.2% 9.1% 7.8% 11.1% 14.6% Gross NPA 0.00% 0.05% 0.08% 0.35% 0.31% 0.22% Net NPA 0.00% 0.04% 0.05% 0.22% 0.14% 0.08% Provision coverage ratio 35% 38% 38% 54% 64% CRAR (standalone) 45.12% 25.81% 25.15% 21.33% Leverage ratio 3.03 5.26 5.62 6.28 19.71% 7.20 22.97% 6.16 Capital infusion* 1,200 2,000 1,500 2,500 * Capital infusion of 328 crore prior to FY18 10 10

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