#1Investor Presentation Q1 FY23 July 28, 2022 SBI card QSBI Card SBI card 331 0123 4567 8901 123 4567 8901 MONTH/YEAR 12/25 VIJAY KUMAR MONTH YEAR 12/25 VISA MAR Signature ЛІМФА КЛИУН AIRY VISA Signature รูเดิมรถเร AIRY#2Q1 FY23 Business Highlights Strong business performance driving higher profits PAT 627 Cr, ▲ 106% YoY Sustained business growth • New accounts at 900K+, Spends at 59,600 Cr+ 48% YoY 79% YoY Receivables at 33,215 Cr, ▲ 36% YoY Robust financials OSBI Card . Total revenue at 3,263 Cr, ▲ 33% YoY . PAT at 627 Cr, . 106% YoY ROAA at 7.0%, ▲ 247 bps YoY and ROAE at 30.8%, 1217 bps YoY Healthy asset quality GNPA at 2.24%, 167 bps YoY and NNPA at 0.79%, Healthy capital adequacy, CAR at 24.7%, Tier 1 at 21.5% New initiatives . • Cobrand with Aditya Birla Finance End to end digital customer acquisition (Project Sprint) 9 bps YoY 2#3Executive Summary Q1 FY23 (vS Q1 FY22) Profitable operations PAT 627 Cr, ▲ 106% YoY Market Share (FY23)* Cards in force 18.4% (FY22 18.7%), Spends 18.6% (FY22 19.2%), Transactions 18.7% (FY22 19.8%) 1 Figures in Cr OSBI card PAT 627 ROAA 7.0% ROAE 30.8% ▲ 106%/ 8% A247 bps/A5 bps A1217 bps/A44 bps Growing Portfolio ▲ 19% YoY in cards, 79% YoY in spends, 36% YoY in receivables CAR 24.7% Receivables 33,215 141 bps/83 bps ▲ 36%/6% Asset Quality GNPA @ 2.24%, NNPA @ 0.79% Adequate liquidity Diversified borrowings mix, adequate banking limits available. Healthy CAR @ 24.7%, T-1 @ 21.5% Cards in Force 1.43 Cr ▲ 19%/▲ 4% *As per RBI report available till May'22 NNPA 0.79% 9 bps / ▲ 1 bps Spends 59,671 79%/ ▲ 10% Represents YoY growth over Q1 FY22 Represents QoQ growth over Q4 FY22 GNPA 2.24% in Jun'22 vs 3.91% in Jun'21 and 2.22% in Mar'22 3#4Key Trends New Accounts ('000) Corporate Spends (Cr) 12,980 14,183 12,263 8,491 953 1,008 1,002 902 6,162 609 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 Retail Spends (Cr) Receivables (Cr) ■Transactor ■Revolver ■EMI RBI RE 42,417 45,488 24,438 26,741 29,129 31,281 33,215 41,872 35,070 6% 4% 2% 1% 0% 27,098 32% 32% 33% 34% 35% 29% 27% 27% 25% 26% 33% 37% 38% 40% 38% Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 IEA 61% 59% 60% 59% 61% IEA, Interest earning assets = EMI + Revolver SBI Card#5Market Share Cards in force Dominant credit card player in India OSBI card Spends Transactions I I 18.3% 19.1% 18.7% 18.4% 19.4% 17.9% 19.2% 18.6% 19.7% 19.8% 17.7% 18.7% FY20 FY21 FY22 FY23 * FY20 FY21 FY22 FY23 * FY20 FY21 FY22 FY23* *As per RBI report available till May'22 LO#6New Accounts and Cards-in-force New Accounts ('000) OSBI card Cards-in-force ('000) 1,002 902 609 13,767 14,316 12,044 Q1 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Q4 FY22 Q1 FY23 Channel wise Split 61.7% 53.8% 67.8% 38.3% 46.2% 32.2% Q1 FY22 Q4 FY22 Q1 FY23 ISBI Open Market Channel wise Split 56.9% 56.8% 57.8% 43.1% 43.2% 42.2% Q1 FY22 Q4 FY22 Q1 FY23 SBI Open Market#7Portfolio Growth Spends (Cr) 54,134 33,260 59,671 OSBI Card Receivables (Cr) 31,281 24,438 33,215 Q1 FY22 Q4 FY22 Q1 FY23 Spend per Avg Card ('000) 111 161 170 Q1 FY22 Q4 FY22 Q1 FY23 Receivable per Card (*) 20,290 22,722 23,202 Q1 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Q4 FY22 Q1 FY23 46% 50% 30 day spend active rate % 50% Receivable Mix % 6% 1% 0% 32% 34% 35% 29% 25% 26% 33% 40% 38% Q1 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Transactor Q4 FY22 Revolver Q1 FY23 EMI ■RBI RE 7#8Portfolio Insights Occupation Cards- in- Force As on 30th Jun 2022 New Sourcing For Q1 FY23 26% 74% OSBI Card Salaried Category Age profile By City Tier 18% 20% 31% 35% 36% 35% 29% 47% 30% 20% Salaried Self Employed ■Govt/PSU Cat A Cat B Under 30 31-45 >45 Tier 1 Tier 2 Tier 3 Others 1.30 1.11 0.85 1.19 16% 0.71 13% 1.15 25% 24% 1.06 33% 40% 18% 44% 1.00 84% 27% 0.96 1.05 ■Salaried Self Employed ■Govt/PSU Cat A Cat B Self employed new sourcing primarily from SBI Sourcing 51% 25% 0.92 1.00 Under 30 31-45 >45 Tier 1 Tier 2 Tier 3 Others Indexed 30+ delinquency 8#9Retail Spends Insights OSBI Card Online Spend % Spends Categories Total Spends % Growth^ POS Spends Q1 FY23 Vs Online Spends DJF'20* I I H Category 1 I 54.4% 55.2% 51.9% 44.9% 44.2% | || Departmental Stores, Health, Utilities, Education & Direct Marketing 7% 6% 8% J Category 2 Consumer durables, Furnishing & 7% 5% 43% Hardware Category 3 FY19 FY20 FY21 FY22 Q1 FY23 Apparel & Jewellery 5% 21% 44% I Category 4 I Travel Agents, Hotels, Airline, 31% 24% 37% Railways, Entertainment & Restaurant ^ Q1 FY23 Over Q4 FY22 | * Total Spends of Q1 FY23 compared to Dec' 19, Jan-Feb'20: Pre-Covid Period Category analysis excludes Fuel & Automotive Service category#10Financial Results Figures in Cr OSBI Card Q1 FY22 Q4 FY22 Q1 FY23 QoQ YOY PAT Total Revenue 2,451 3,016 3,263 8% 33% Finance Costs 229 267 308 15% 35% Operating Costs 1,166 1,577 1,663 5% 43% Earnings before Credit Costs 1,056 1,172 1,291 10% 22% Credit Costs 645 393 450 15% -30% 581 627 PBT 410 779 841 8% 105% 305 Q1 FY22 Q4 FY22 Q1 FY23 Cost to Income 52.5% 57.4% 56.3% -106bps 380bps Gross NPA 3.91% 2.22% 2.24% 3bps -167bps Net NPA 0.88% 0.78% 0.79% 1bps -9bps ROAA 4.5% 7.0% 7.0% 5bps 247bps ROAE 18.7% 30.4% 30.8% 44bps 1217bps EPS (Basic) 3.24 6.16 6.65 8% 105% # Credit costs include release of additional wave 3 overlay of 76 Cr in Q4 FY22 10#11Explaining Returns Q1 FY22 Q4 FY22 Q1 FY23 QoQ YOY Interest Income 17.2% 15.2% 15.5% 35bps -169bps Fees and other Income 18.0% 19.1% 19.3% 24bps 128bps Recoveries 1.3% 1.9% 1.7% -23bps 34bps Total Revenue 36.6% 36.1% 36.5% 36bps -6bps Finance Costs 3.4% 3.2% 3.5% 25bps 3bps Net Revenue 33.2% 32.9% 33.1% 11bps -10bps Operating Costs 17.4% 18.9% 18.6% -29bps 121bps Earnings before Credit Costs 15.8% 14.0% 14.4% 40bps -130bps Credit Costs # 9.6% 4.7% 5.0% 33bps -459bps PBT 6.1% 9.3% 9.4% 7bps 329bps Taxes 1.6% 2.4% 2.4% 2bps 82bps ROAA 4.5% 7.0% 7.0% 5bps 247bps Avg Assets/Avg Equity ROAE 4.1 18.7% 4.4 4.4 30.4% 30.8% 44bps 1217bps # Credit costs include release of additional wave 3 overlay of Credit costs/Average Assets ex release of 76 Cr in Q4 FY22 76 Cr in Q4 FY22 at 5.6% in Q4 FY22 OSBI Card 11#12Revenue Revenue from Operations Other Income Total Revenue Finance Costs Net Revenue Interest Income Yield# Cost of Funds* Net Interest Margin Figures in Cr OSBI Card Q1 FY22 Q4 FY22 Q1 FY23 QoQ YOY Composition Revenue from operations 2,362 89 2,850 3,100 9% 31% Q1 FY22 Q4 FY22 Q1 FY23 166 163 -2% 83% 2,451 3,016 3,263 8% 33% 21% 229 267 308 15% 35% 23% 22% 45% 44% 2,222 2,749 2,954 7% 33% 49% 27% 20% 26% 18.5% 16.8% 17.1% 23 bps -145 bps 8% 7% 5.2% 4.9% 5.1% 25 bps -7 bps 8% 14.8% 13.2% 13.2% -1 bps -158 bps Interest Income Subscription based Instance based & other # Interest Income yield is based on interest income from card holders (excluding Interest income on investments, deposits & others). *Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings. Spend based 12#13Borrowings & Capital Adequacy Cost of funds 5.2% Q1 FY21 4.9% Q4 FY22 5.1% Q1 FY23 Borrowing Composition Leverage OSBI Card 3.7 4.1 3.9 Jun'21 Mar'22 Jun'22 Capital Adequacy Ratio Tier - I Tier - II Jun'21 Mar'22 2% Jun'22 2% 26.1% 23.8% 24.7% 3.5% 34% 33% 32% 2.8% 3.2% 22.6% 21.0% 21.5% 58% 62% 61% 4% 5% 8% Jun'21 Mar'22 Jun'22 Bank Lines Commercial Papers INCD Term Loan Liquidity Coverage Ratio Credit Ratings: Short Term A1+ by CRISIL & ICRA : ☐ : Long Term AAA/Stable by CRISIL & ICRA 75% 79% 84% 60% 60% 50% Jun'21 Mar'22 Jun'22 LCR% Statutory requirement = Leverage Liabilities / Tier 1 Equity Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings. 13#14Structural Liquidity (ALM) Asset Liability Maturity profile - Jun'22 5,239 4,353 3,149 2,690 3,152 Inflows Outflows 5,496 5,421 5,621 5,618 4,301 3,479 4,104 3,182 2,950 1,802 9,548 1,947 958 386 515 1-7 D 8-14 D 15-30/31 D 1-2M 2-3M 3-6M 6-12 M 1y-3y 3y-5y >5 yr Cumulative mismatches 2,549 4,740 5,941 6,016 4,896 8,715 9,244 7,730 7,601 Figures in Cr OSBI card Well matched ALM 3,659 Cr (18%) of sanctioned bank lines unutilized and available for draw down as at Jun'22 14#15Operating Costs Figures in Cr OSBI card Operating Leverage Q1 FY22 Q4 FY22 Q1 FY23 QoQ YoY 2% (10)% Employee Cost 116 121 139 15% 19% Depreciation 33 39 39 0% 20% Fees and commission expenses 178 302 331 10% 86% 43% 33% 7% 5% Other operating expenses 839 1,115 1,155 4% 38% Operating Costs 1,166 1,577 1,663 5% 43% QoQ YOY Cost to Income % 52.5% 57.4% 56.3% -106 bps 380 bps Vs. Q4 FY22 Vs. Q1 FY22 Net revenue growth Opex growth 15#16Asset Quality Figures in Cr SBI card Stage Wise Receivables Q1 FY22 Q4 FY22 Q1 FY23 QoQ YoY Impairment and losses 645 393 450 15% -30% Gross Credit Costs 24,438 31,281 33,215 645 393 448 14% -31% Recoveries (88) (157) (148) -6% 68% 2.2% 3.9% 2.2% 8.3% 8.5%0 Net Credit Costs 557 236 300 27% -46% 12.8% Gross Credit Cost % 10.4% 5.2% 5.6% 35bps -486bps 83.2% 89.3% Net Credit Cost % 9.0% 3.1% 3.7% 60bps -528bps ECL % Q1 FY22 5.7% 3.5% 3.4% -8bps -230bps ■Stage 1 Q4 FY22 Stage 2 89.5% Q1 FY23 ■Stage 3 GNPA 3.91% 2.22% 2.24% 2bps -167bps Q3 FY20 (Pre-COVID) - Stg1: 89.4%, Stg2: 8.2%, Stg3: 2.5% NNPA 0.88% 0.78% 0.79% 1bps PCR 78.2% 65.3% 65.1% -14bps -8bps -1313bps ECL Provisions 6.6% 5.7% 5.0% 4.0% 3.5% 3.4% 5.4% 4.7% 4.2% 3.4% 3.3% 3.3% Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 • Without overlay With overlay # Credit costs include release of additional wave 3 overlay of 76 Cr in Q4 FY22 Gross Credit costs % ex release of 76 Cr in Q4 FY22 at 6.2 %. Net Credit costs % ex release of 76 Cr in Q4 FY22 at 4.1% Stage Wise ECL Provisions 1,397 1,094 1,136 78.2% 65.3% 65.1% 10.4% 7.0% 5.8% 1.6% 1.6% 1.7% Q1 FY22 Q4 FY22 Stage 1 Stage 2 Q1 FY23 Stage 3 16#17Investing for Digital Transformation OSBI card Customer acquisition Instant card issuance for ETB (existing to SBI Card) customers Digital journey for NTB (new to SBI Card) prospects Faster issuance and activation ✓ Cost savings and efficiencies Issuance to ETB being scaled up Digital journey for NTB launched Building capabilities for future Customer Servicing Bill payment on AskILA (Chatbot) Increase in bill payment sign-up, lever for activation ☑ ☑ Expand use cases for AskILA by leveraging conversational Al ✓ Cost efficiencies in long-run Enhance servicing experience through self-service features Q3 FY23 Customer engagement Upgrade Marketing Technology (MarTech)-hyper personalization Mobile app UI/UX revamp Enhance engagement with customers through out journey. . . right time, right offer Q4 FY23 Maximise ROI on marketing spend and drive growth 17#18Progress On Our ESG Strategy Maturity evaluated; Peer assessment done Baselining Materiality Assessment Stakeholder consultations; Key International Standards Research; Material Topics Shortlisted Dow Jones Sustainability Index (DJSI); Sustainalytics; FTSE Russell Participation in ESG Index Strategy Design Revisited Policy Framework; Action items laid down under each material topic OSBI Card In Progress Strategy Implementation Key Initiatives Across ESG Pillars Women Alumni Hire Program ✓ Women Network Formation & Strategy Development ✓ Waste Segregation Methods Adoption & Measurement GHG Emissions Measurement Initiation ✓ Plastic Consumption Rationalization PwD Hiring Program 18#19Our ESG Efforts ENVIRONMENTAL Climate Change 3.5 Lac+ Trees Saved (From FY'18 to Q1'23) Through paperless communication with customers FY'22 FY'18 FY'19 FY'20 FY'21 29,381 39,664 55,434 69,747 119,718 FY'23 till Jun 36,815 oscard Pehel Sankalp Taru Pehel Inauguration of solar powered irrigation system for trees Gurugram Project Bhavnam: Begun plantation drive in Aravali's (Gurugram) with a mission of planting 30k trees by 2024 Waste Reduction & Energy Consumption Continued awareness amongst employees on avoiding food wastage & energy saving Energy consumption reduction measures like installation of timer switches, stabilizers, etc undertaken in Gurgaon, Ahmedabad and Pune offices. SOCIAL Employee Learning & Development Empowered 400+ employees for their career advancement by upskilling them via Data science learning programs 6700+ learning hours by full-time employees Employee Engagement & Welfare Increased to INR 5 Lacs Insurance coverage to employees with added benefits Wellness Session Celebrated International Yoga Day by providing virtual Sessions on Desk Yoga to all employees For Communities Maternal and Child Mortality and Morbidity Project undertaken to provide medical equipment to hospital in Palwal benefiting approx. 5,000 mothers and newborn in next 5 years Disaster Management Project with Round Table India Trust to support 2600 stranded families affected by floods in Assam for a month with necessities OSBI Card GOVERNANCE Corporate Governance ESG added in Terms Of Reference of the CSR Committee; renamed as Corporate Social Responsibility & ESG Committee. Business Ethics, Anti-corruption & Bribery Employee Awareness On ethical conduct, vigil mechanism policy and compliance risk reporting 100% coverage Annual refresher on code of conduct and conflict of disclosure for employees Compliance Open Forum Open Interaction opportunity for employees for interaction with Compliance Leader Responsible Digitalization Leveraging advanced technology For newer ways of fraud controls amongst new & existing card users 19#20Shareholders Summary Shareholding pattern, 30th June 2022 Resident Individuals Insurance 4.42% Others 1.34% 4.97% MF 11.34% FPI 8.29% OSBI Card Top 20 Shareholders as on 30th June 2022 S. No Name of Shareholder % 1 State Bank Of India 69.19 2 Life Insurance Corporation of India 1.74 3 Life Insurance Corporation Of India - P&GS Fund 1.69 4 Government Pension Fund Global 0.77 5 Mirae Asset Large Cap Fund 0.65 6 ICICI Prudential Life Insurance Company Limited 0.54 7 ICICI Prudential Long Term Equity Fund Tax Savings 0.50 8 Mirae Asset Emerging Blue chip Fund 0.46 9 SBI Life Insurance Co. Ltd. 0.44 10 Vanguard Total International Stock Index Fund 0.43 Vanguard Emerging Markets Stock Index Funds, A series of Vanguard 11 International Equity Index Funds 0.43 12 Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund 0.42 13 ICICI Prudential Value Discovery Fund 0.39 14 HDFC Trustee Company Limited-HDFC Flexi Cap Fund 0.38 15 Mirae Asset Focused Fund 0.38 Promoter Group 16 Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund 0.34 SBI & Subs. 17 Nippon Life India Trustee Ltd-A/C Nippon India Focused Equity Fund 0.31 69.64% 18 Mirae Asset Tax Saver Fund 0.30 (SBI - 69.19%) 19 Motilal Oswal Flexi Cap Fund 0.29 20 Pioneer Investment Fund 0.29 20 20#21Annexures SBI card PRIME OSBI Card OSBI Card 432 01234567 8901 MONTH/YEAR 12/25 VIJAY KUMAR >))) SimplySAVE 123 4567 8901 VALID MONTH/YEAR THRU 12/25 VISA AR Signature A12 VISA Platinum bl9gunw AIRY#22P&L Summary Figures in Cr SBI card P&L Q1 FY22 Q4 FY22 Q1 FY23 QoQ YOY Interest Income 1,153 1,266 1,387 10% 20% Fees and commission income 1,099 1,427 1,538 8% 40% Service Charges 24 35 35 -1% 46% Business development incentive income 85 121 140 15% 65% Insurance commission income 1 1 1 -33% -31% Net gain on fair value changes 0 *n.c. *n.c. Total Revenue from operations Total Other Income Total Income/Revenue Finance costs 2,362 2,850 3,100 9% 31% 89 166 163 -2% 83% 2,451 3,016 3,263 8% 33% 229 267 308 15% 35% Fees and commission expense 178 302 331 10% 86% Net loss on derecognition of financial 2 *n.c. *n.c. instruments under amortized cost category Impairment losses & bad debts 644 393 450 15% -30% Employee benefits & Expenses 116 121 139 15% 19% Depreciation, amortisation & impairment 33 39 39 0% 20% Operating & Other expenses 839 1,115 1,155 4% 38% Total expenses 2,041 2,237 2,422 8% 19% Profit before tax 410 779 841 8% 105% Profit after tax 305 581 627 8% 106% *n.c. denotes not comparable 22 22#23Balance Sheet Summary Figures in Cr OSBI Card Balance Sheet Mar'22 Jun'22 Variance% Assets Loans (Net) Cash & Bank Balances 30,187 32,079 6% 1,106 1,053 -5% Investments 1,297 1,555 20% Other Financial Assets 382 509 33% Total Financial Assets 32,973 35,196 7% PP&E, Intangible & Right of use assets 454 454 0% Deferred Tax Assets 219 230 5% All other non-financial Assets 1,004 979 -2% Total non-financial Assets 1,676 1,663 -1% Total Assets 34,648 36,859 6% Liabilities and equity Equity Share Capital 943 943 0% Other Equity 6,810 7,430 9% Total Equity 7,753 8,373 8% Borrowings 22,982 24,792 8% All other financial liabilities 2,700 2,422 -10% Total financial liabilities 25,683 27,215 6% Provisions 477 503 5% Other non-financial liabilities 736 768 4% Total non-financial liabilities 1,213 1,270 5% Total liabilities and equity 34,648 36,859 6% 23 23#24Recent Developments OSBI Card Launch of Aditya Birla SBI Card SBI Card has partnered with Aditya Birla Finance Ltd. (ABFL), to launch 'Aditya Birla SBI Card'. The reward-centric credit card has been designed to provide customers with benefits on premium and mass brands under the Aditya Birla Group. ADITYA BIRLA CAPITAL VIJAY KUMAR OSBI Card SELECT VISA Platinum The card also offers significant reward points on lifestyle spends across categories like telecom, fashion, travel, entertainment & many more. Akshaya Tritiya Offers Campaign Print ad campaign to promote Akshaya Tritiya Offers was launched in May 2022. High impact jacket ads were released in The Times of India covering top 8 metros. The campaign was further amplified through full page ads in 21 regional publications in 10 languages across 14 states. OSBI Card THIS AKSHAYA TRITIYA, BRING HOME PROSPERITY AND GOOD FORTUNE. Happy Akshaya Tritiya ORKA OSBI Card Happy Akshaya Tritiya SBI Card certified as a 'Great Place to Work' A proud moment for SBI Card to be officially recognized as a Great Place to Work. This certification recognizes businesses that foster a High Trust, High Performance culture and our organization has accomplished this milestone. At the heart of building a great workplace culture lies TRUST. We are now Great Place To WorkⓇ Certified MAR 2022 MAR 2023 INDIA 'Best BFSI Brands 2022' Recognition by The Economic Times SBI Card recognised as 'Best BFSI Brands 2022' for the third consecutive year in an event organised by ET Edge in Mumbai on 30 Mar '22. THE ECONOMIC TIMES Pb BFSI BEST BRANDS 2022 24#25SBI Card SPRINT SPRINT A seamless digital application process for New To SBIC customers 6:181 SBI card .ill 4G The process enables customers to complete their credit card application in a few simple steps and get their virtual card on their phones instantly. Wing-to-wing Digital journey with an Instant e-Card within few minutes: Welcome to SPRINT KYC Digital Application Form Digital KYC Instant Decisioning Upload Picture & Online Penny Drop Instant Issuance Welcome to a world of benefits! Start Apply Journey 25 25#26Product Brief SUPER PREMIUM AURUM AURUM CORE CARDS OSBI Card PRIME OSBI Card lifestyle ACED BY 45678901 12/25 VISA VIJAY KUMAR SBI Card Elite VIJAY KUMAR 4321 01234567 8901 12/25 VISA SBI Card PRIME OSBI Card SBI Card SimplyCLICK SimplySAVE 1321 01234567 8901 12/25 VIJAY KUMAR VISA VIJAY KUMAR 1321 0123 4567 8901 12/25 VISA Platinum SimplyCLICK SBI Card SBI Card Nate's Basket OSBI Card PRIME Cla LANDMARK 4356 1612 3456 7890 12/25 VISA AMAN OBEROI Signature VISA Signate CO-BRAND CARDS RETAIL TATA 5242 44792 8123 6789 TANIUM MasterCard Lifestyle HC SBI Card Nature's Basket SBI Card Tata Card BANKING SBI card OSBI Card SELECT Akshara Singh Rathore VUAY KUMAR VISA Aditya Birla SBI Card SELECT Paytm SBI Card SELECT SBI Card UCO Bank OSBI Card CITY UNION BANK OSBI Card Karnataka Bank SBI Card »)) Elite MOTOR 45678901 PAO12/25 VIJAY KUMAR VISA VIJAY KUMAR >))) PRIME 4047 4523 4567 8901 mr12/25 VISA PRIME VIJAY KUMAR 432 01234567 8901 12/25 VISA Signature Signature Signature SimplySAVE SBI Card 12/25 VIJAY KUMAR 4567 8901 VISA Central Bank SBI Card UCO Bank SBI Card SBI Card SBI Card PULSE 421 912245678901 12/25 Dr. VIJAY KUMAR VISA KAVYA MALHOTRA Doctor's SBI Card SBI Card Pulse SHAURYA SBI card VISA Signature SBI Card City Union Bank SBI Card Karnataka Bank SBI Card TRAVEL & FUEL OSBI Card vistara PRIME VIVAAN BHATT SBI Card 12/25 VIJAY KUMAR 4321 0123 4567 8901 VISA Signature OSBI Card OCTANE 43215 8901 VISA VIJAY KUMAR Signature Club Vistara SBI Card PRIME Vijay Kumar Air India Signature SBI Card BPCL SBI Card OCTANE Unnati VIJAY KUMAR AIRFORCE/ARRY/NAVY 6543 2101 2345 6789 12/25 RuPay GERA MP3 4567 4901 12/25 VISA € SBI card SBI Card yatra SBI car DMRC VIJAY KUBO VISA SELECT Platinum OLA Money SBI Card Shaurya Select SBI Card SBI Card Unnati 525 7890 5321 0123 4567 8901 12/25 RuPay VIJAY KUMAR PLATINUM 4321 0123 4G 12/23 VIJAY KUMAR 8901 VISA VIJAY KUMAR Platinum Delhi Metro SBI Card IRCTC SBI Card Yatra SBI Card 26#27Glossary Term Description OSBI Card New Accounts Card-in-force Spends Receivables Market share - CIF Market share - Spends Averages Spends per card Average loans per cards Yield % COF % Cost to Income % ROAA ROAE EPS Shareholders' equity Sum of all accounts opened in a reporting period. Sum of all credit cards issued by us, including suspended credit cards that may be reactivated in future, net of cancelled and deactivated credit cards. Total card spends constitutes the aggregate notional amounts transacted by our cardholders in a reporting period. Total credit card receivables outstanding from our cardholders at end of the reporting period. Market share of total cards outstanding is calculated by dividing our total cards outstanding by the industry-wide total cards outstanding, as obtained from data published by the RBI. Market share of total card spends is calculated by dividing our total card spends by the industry-wide total card spends, as published by the RBI, for the reporting period. 2-point average for quarter and 5-point for yearly calculations Average card spends per cards outstanding is calculated by dividing our total card spends by the average total cards outstanding for the period (annualized) Average loans per cards outstanding is calculated as total loans at the end of the reporting period divided by total cards at the end of the reporting period. Calculated as interest income from cardholders divided by average receivables for the period (annualized) Calculated as total finance costs for the period divided by average borrowings (including lease liabilities) for the period (annualized) We calculate our cost to income ratio as operating and other expenses divided by total income after subtracting Finance cost. Calculated as net profit divided by average total assets for the period (annualized) Calculated as net profit divided by the average shareholders' equity for the period (annualized) Earning per share is for the period and not annualized Shareholders' equity is defined as sum of share capital, reserves and surplus excluding reserves created out of amalgamation 27 27#28Disclaimer SBI card The information contained in this presentation is for information purposes only and does not constitute an offer or invitation to sell or purchase any securities of SBI Cards and Payment Services Limited in India or in any other jurisdiction. This presentation is not intended to be a prospectus or an offer document under any applicable law. This presentation may contain certain forward looking statements which have purely been made basis Management's expectations, assumptions and estimates, known or unknown risks. Such statement typically contain the terms / phrases (including but not limited to) "will", "believe", "aim", "may", "would", "expect", "would /may result", "goal", "strategy", "anticipate", "intend", "seek", "plan", "objective", "contemplate", "project", "anticipate", etc., These statements are neither factual nor based nor do they constitute any historical information about the Company and are subject to change / uncertainties in future. The actual financial or other results may materially differ from such statements and the investors are advised not to make any decisions merely on these. The Management is further not expected to update these in future as and when there is a change impacting such estimates / possibilities. The recipients should carry their own due diligence in respect of the information contained in the presentation. This presentation is strictly confidential and is intended only for the exclusive use of the recipients thereof, subject to the provision state herein, and may not be disclosed, reproduced, retransmitted, summarized, distributed or furnished, in whole or in part, to any other person. This presentation should not form basis or be relied upon in any connection with any contract or commitment whatsoever. Figures for previous period/year have been regrouped or recategorized wherever necessary to conform to the current period's/year's presentation. Totals in some columns/rows/graphs may not agree due to rounding-offs. 28#29Thank You SBI card OSBI Card SimplySAVE 4321 0123 4567 8901 VALID MONTH/YEAR THRU 12/25 VIJAY KUMAR - ЛІЛУА КПИУК TS\52 OSBI Card )))) SimplyCLICK 123 4567 8901 VALID 12/25 THRU VISA MAR Platinum blow ۱۷۷ MONTH/YEAR 75152 VISA Platinum ΛΙΖΗ