Bajaj Finance Limited

rs 1.3

iew 2 Section 01 Executive summary – Q2 FY23 1.1 Quarter gone by 1.2 Lead financial indicators 1.3 Omnipresence strategy update 3 Executive summary An excellent first half for the Company across b

₹ 218,366

tal across all products and services by March 2023… AUM Opex to NII PAT ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44%

31%

nd services by March 2023… AUM Opex to NII PAT ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4

35.9%

rvices by March 2023… AUM Opex to NII PAT ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead f

38.1%

h 2023… AUM Opex to NII PAT ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indica

₹ 2,781

AUM Opex to NII PAT ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Cons

88%

ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performan

23.57%

Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performance 1.

15.38%

23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performance 1. Strong AUM growt

0.44%

8,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performance 1. Strong AUM growth of ₹

1.10%

rowth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performance 1. Strong AUM growth of ₹ 14,348 crore in

₹ 14,348 crore

4% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performance 1. Strong AUM growth of ₹ 14,348 crore in Q2. AUM growth was secular across all lines of businesses 2. AUM was up 31% at ₹ 2,18,366 crore

“On track to go fully digital across all products and services by March 2023… AUM Opex to NII PAT ROE Net NPA Q2 FY23 ₹ 218,366 Cr YoY Growth 31% 35.9% Q2 FY22 38.1% ₹ 2,781 Cr YoY Growth 88% 23.57% Q2 FY22 15.38% 0.44% Q2 FY22 1.10% 4 Lead financial indicators Consolidated performance 1.”

“The Company is on track to add between 10-11 MM new customers in FY23 6.”

“The Company is on track to deliver its long-term goal of 25% of consolidated borrowings from deposits in the medium term 11.”

“The Company added 99 new locations and 4,400+ distribution points App platform – On track to go fully digital across all products and services by March 2023 2.”

“By February 2023, there will be overall 10 CLP and 15 PDP sections 5.”

“Sprint 2 is on track to go live in Q3 FY23.”

“• DDPI: Execution of Demat Debit and Pledge Instructions (DDPI) replacing power-of-attorneys • Vernacular Language: Language option in mobile and web (Hindi / English / Gujarati / Marathi) • Bracket & Cover Order : Facility to place Buy / Sell order along with Stop Loss and Target Order • Stock Scanner: Stock analysis and filter basis key parameter and matrices to find new trading ideas efficiently.”

“We are pursuing business transformation singularly with that objective… 59 At the outset, “All business transformation takes time, team and technology.” It’s been 15 months since we started phase 1 of business transformation project.”

“This presentation does not constitute or does not intend to constitute or form part of any offer or invitation or inducement to sell, or any solicitation of any offer or recommendation to purchase, any securities of the Company, nor shall it or any part of it or the fact of its distribution form the basis of, or be relied on in connection with, any contract or commitment therefor.”

“There is no obligation to update, modify or amend this communication or to otherwise notify the recipient if information, opinion, projection, forecast or estimate set forth herein, changes or subsequently becomes inaccurate.”

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L65910MH1987PLC042961 www.bajajfinserv.in/corporate- bajaj-finance Q2 FY23 Investor Presentation 20 October 2022 Presentation Path Section 01 Section 03 Section 05 Section 07 Executive summary – Q2 FY23 Financial performance – Q2 FY23 31 Customer franchise and distribution reach 42 3 Update on credit quality 48 Section 02 Section 04 Section 06 Bajaj Finance Limited overview Asset liability management Business segment wise AUM 17 35 46 Click on the section to view 2 Section 01 Executive summary – Q2 FY23 1.1 Quarter gone by 1.2 Lead financial indicators 1.3 Omnipresence strategy update 3 Executive summary An excellent first half for the Company across balance sheet growth, portfolio quality and profitability. Strong momentum across all lines of businesses with secular AUM growth in first half. Confident of strong FY 2023. Crossed 26 MM net users on the App. Phase 1 of Web 2.0 has gone live. On track to go fully digital across all products and services by March 2023… AUM Opex to NII PAT