#1INVESTOR PRESENTATION Q2 - FY24 25 SBI Card MAKING LIFE SIMPLE 25 years of PRIME ENABLING EVERYDAY MOMENTS OF JOY. 53 012345678901 VIJAY KUMAR VIJAY KUMAT OSBI Card SimplyCLICK 4323 0123 4567 8901 VISA OSBICard SimplySAVE 4567 8901 2/27 RuPay PLATINUM#2INDEX 1 Key Highlights 2 Portfolio Growth 3 Financial Update 4 Asset Quality 5 Borrowings & Capital Adequacy 6 ESG 7 Shareholders Summary 8 Annexures 25 MAKING LIFE SIMPLE OSBI card#3Key Highlights 25 QSBI Card MAKING LIFE SIMPLE SBI Card >))) SimplySAVE CIPR 45L? 8901 H/YEAR 27#4Key Highlights for Q2 FY24 Consistent Performance delivering Profitable Growth Balance Sheet Profitability Business Volumes 11.42 lacs 1.79 Cr New A/cs 12% YoY 4% QoQ CIF 21% YoY 3% QoQ Spends 79,164 Cr ▲ 27% YoY 7% QoQ PAT GNPA 25 MAKING LIFE SIMPLE OSBI Card *45,078 Cr Receivables 19% YoY 4% QoQ 603 Cr 15% YoY ▲ 2% QoQ Cost to Income 57.1% 232 bps YoY 71 bps QoQ ROAA 4.9% 45 bps YoY 17 bps QoQ 22.3% ROAE 181 bps YoY 96 bps QoQ 2.43% 0.89% 23.3% ▲ 29 bps YoY 2 bps QoQ NNPA 11 bps YoY 0 bps QoQ CAR 15 bps YoY ▲ 39 bps QoQ LCR 85% (Stat. Req. 70%) 4#5Portfolio Growth 25 OSBI Card MAKING LIFE SIMPLE Bharat Petrolcum energising lave SBI card 4321 0122 52 VIJAY LO#6Key Business Metrics New Accounts (Lacs) 16.34 13.71 12.95 11.42 10.97 12% YOY 4% QOQ Cards-in-force (Cr) Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Retail Spends (Cr) 1.48 21% YOY 3% QOQ 1.79 1.73 25 MAKING LIFE SIMPLE OSBI card Receivables (Cr) 19% YOY 4% QOQ! 45,078 43,271 37,730 21% YOY 5% QOQ Sep'22 Jun'23 Sep'23 Sep'22 Jun'23 Sep'23 58,347 61,446 54,562 55,520 50,895 Q2 FY23 Q3 FY23 Key Insights: Q4 FY23 Q1 FY24 Q2 FY24 Corporate Spends ( Cr) 16,166 14,273 15,565 11,411 17,718 55% YOY 14% QOQ Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Gross addition at 11.4 lacs consistent to PQ Continuing growth in Retail & Corporate spends (~ 22% of overall spends) and Receivables. IBNEA stable at 62%.#7Portfolio Growth Spend per Avg Card (* '000) 25 OSBI Card MAKING LIFE SIMPLE Receivable per Card (*) 25,445 24,318 171 179 176 173 180 140 142 136 137 140 T Q2 FY23 Q3 FY23 Q4 FY23 Ret+Corp Ret Q1 FY24 Q2 FY24 30 day Retail spend active rate % 24,293 24,949 25,220 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Receivables(Cr)/Mix % 37,730 38,626 40,722 43,271 45,078 Interest Earning Receivables 50% 51% 50% 50% 50% 59% 62% 62% 35% 37% 37% 38% 38% 24% 24% 24% 24% 24% 41% 39% 39% 38% 38% Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Transactor Revolver EMI Continued momentum on spends and receivables growth#8Retail Spends Insights Online Spend % Spends Categories 25 MAKING LIFE SIMPLE OSBI Card % Growth^ Total Spends POS Spends Online Spends 54% 57% 57% 55% Category 1 Departmental Stores, Health, Utilities, 29% 24% 30% Education & Direct Marketing Category 2 52% Consumer durables, Furnishing & 3% 24% 44% Hardware, Apparel & Jewelry Category 3 FY21 FY22 FY23 Q1FY24 Q2FY24 Travel Agents, Hotels, Airline, Railways, Entertainment & Restaurant 26% 17% 34% UPI Spends Insights ^ H1 FY24 Over H1 FY23 | Category analysis excludes Fuel & Automotive Service category. Online Festive Sale for H1'23 started in Sep'22 while for FY24 same was in Oct'23 9% UPI penetration* Rs.950 Average Ticket Size Rs.11K Average UPI Spends/Account/month Top 5 Categories for UPI Spends: Depart. Stores & Grocery | Utilities | Restaurants | Cons. Durables | Fuel *Active UPI users on RuPay Card Base as of Sep'23#9Financial Update 25 OSBI Card MAKING LIFE SIMPLE CLUB Vistara OSBI Card PRIME#10Key Financials Revenue from operations 24% YOY 3,507 3,762 3,912 4,087 4% QOQ 3,297 Q2 FY23 Interest Cost Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 464 507 571 605 64% YOY 6% QOQ 368 PAT Trend 15% YOY 2% QOQ 25 MAKING LIFE SIMPLE All figures are in Cr. OSBI card 4% YOY 1,153 1,196 593 603 526 Q2 FY23 Operating Cost Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q1 FY24 Q2 FY24 H1 FY23 H1 FY24 1,974 1,980 13% YOY 5% QOQ Key Insights: 1,834 1,960 2,066 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Credit Cost 36% YOY 719 742 3% Q0Q 630 546 533 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Consistent Performance delivering Profitable Growth. COF is stable @ 7.1% vs PQ, NIM lower due to lower yield on a/c of Product Mix. Cost to income marginally higher due to cashback costs on campaigns in August. Gross credit cost contained at 6.7% with focused collections and portfolio actions. 10#11P&L Summary All figures are in Cr. 25 OSBI Card MAKING LIFE SIMPLE Revenue from operations (* Cr) (Composition Mix %) Q2 FY24 Q1 FY24 QoQ YOY H1 FY24 YOY Total Income 4,221 4,046 4% 22% 8,267 23% -Revenue from Operations 4,087 3,912 4% 24% 7,999 25% -Interest Income 1,902 1,804 5% 28% 3,706 29% -Fees & Other Revenue I 2,186 2,108 4% 21% 4,293 22% 3,297 3,912 4,087 I -Other Income I 134 134 -0% -14% 268 -16% Interest Cost 605 571 6% 64% 1,176 74% 7% 7% 7% Operating Cost 2,066 1,960 5% 13% 4,025 15% 21% 21% 21% Earning Before Credit Cost 1,551 1,515 2% 24% 3,066 21% Impairment on Financial 26% 26% 26% 742 719 3% 36% 1,460 47% Instruments PBT 809 797 2% 15% 1,606 4% PAT 603 593 2% 15% 1,196 4% 45% 46% 47% Key Metrics Yield 16.8% 16.9% -14 bps 41 bps 16.9% 28 bps Q2 FY23 COF NIM 7.1% 11.3% 11.5% 7.1% 2 bps 165 bps 7.1% 184 bps Interest Income Q1 FY24 Q2 FY24 Spend Based -12 bps -92 bps 11.4% -122 bps Instance Based & Others Subscription Based I Cost to Income% 57.1% 56.4% 71 bps -232 bps 56.8% -114 bps I Credit Cost 6.7% 6.8% -13 bps 56 bps 6.8% 95 bps ROA 4.9% 5.1% -17 bps -45 bps 5.0% -112 bps 11#12Asset Quality 25 SBI Card MAKING LIFE SIMPLE PULSE KAVYA MALHOTI 00 09:45 MAR 21 OSBI Card 12#13Asset Quality Gross Credit Cost -Gross Write off -Provision Recoveries Net Credit Cost * All figures are in Cr. 25 OSBI Card MAKING LIFE SIMPLE Receivables (Cr) (Composition Mix %) Q2 FY24 Q1 FY24 QoQ YOY H1 FY24 YOY 37,730 43,271 45,078 742 718 3% 36% 1,460 47% 678 622 9% 50% 1,299 51% 2% 2% 2% 7% 5% 6% 64 97 -34% -32% 161 18% 90% 92% 92% (132) (116) 14% -4% (247) -13% 610 603 1% 49% 1,213 71% Γ Q2 FY23 ■Stage 1 Q1 FY24 Q2 FY24 ■Stage 2 ■Stage 3 I Gross Credit Cost % 6.7% 6.8% -13 bps 56 bps 6.8% 95 bps ! L Net Credit Cost % 5.5% 5.7% -22 bps 90 bps 5.6% 147 bps Provision (Cr) (% of NEA) PCR % 64.1% 63.8% 26 bps 9 bps 64.1% 9 bps ECL % 3.4% 3.4% 1 bps 11 bps 3.4% 11 bps 1,230 64.0% 1,457 63.8% 1,521 64.1% GNPA % 2.43% 2.41% 2 bps 29 bps 2.43% 29 bps NNPA % 0.89% 0.89% 0 bps 11 bps 0.89% 11 bps Gross credit costs marginally lower driven by concerted collection efforts & portfolio actions. 5.2% 1.7% Q2 FY23 Stage 1 4.8% 1.7% Q1 FY24 4.7% 1.7% Q2 FY24 13 ■Stage 2 Stage 3 * Excludes impairment on other financial assets#14Portfolio Insights Cards- in- Force As on 30 Sep 23 New Sourcing For Q2 FY24 51% New Accounts 49% O- 1.07 58% SBI ■ Open Market O SBI ■ Open Market 42% 0.80 48% Salaried Category 28% O Govt/PSU 24% Salaried 59%; Self employed 41% 37% 0.97 17% Age Profile 0 48% 0.79 22% 35% 25 MAKING LIFE SIMPLE OSBI Card By City Tier 27% O 33% 18% ■ Cat A ■Cat B ■ Under 30 ■ 31-45 ■>45 Tier 1 ■ Tier 2 ■ Tier 3 ■ Others 1.07 16% 1.21 22% 23% 0.71 35% "0" 27% 1.13 ■Govt/PSU ■ Cat A ■Cat B Salaried 79%; Self employed 21% 24% O 1.01 54% ■ Under 30 ■ 31-45 Indexed 30+ delinquency 39% 0.99 1.02 23% 0.96 ■>45 ■ Tier 1 ■ Tier 2 ■ Tier 3 ■ Others 14#15Borrowings & Capital Adequacy 25 OSBI Card MAKING LIFE SIMPLE PRIME SBI Card »)) 4321 0123 4567 8901 VALID MONTH YEAR VARU 12/27 15#16Borrowings & Capital Adequacy Borrowings Mix Capital Adequacy 25 MAKING LIFE SIMPLE OSBI card 3% 4% 9% 13% 12% 30% 30% 26% 24% 23% CAR 23.2% 23.3% 23.1% 22.9% 23.3% 4% 2% 62% 65% 65% Tier 1 20.2% 20.6% 63% 65% 20.4% 20.3% 20.8% Q2 FY23 Q3 FY23 WCDL Q4 FY23 Q1 FY24 Q2 FY24 - СР NCD TL Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 COF Trend LCR 82% 85% 86% 86% 85% 5.9% 6.4% 6.8% 7.1% 7.2% 70% 70% 70% 70% 6.3% 6.7% 7.1% 7.1% 60% 5.4% Q2 FY23 Q3 FY23 COF % Q4 FY23 Weighted Daily Average COF % Q1 FY24 Q2 FY24 Q2 FY23 Q3 FY23 LCR % Q4 FY23 Q1 FY24 Stat. Requirement Q2 FY24 Credit Ratings Short Term A1+ by CRISIL & ICRA Long Term AAA/Stable by CRISIL & ICRA : COF stabilizing in the range of 7.1% -7.2%. 16#17ESG AURUM 25 OSBI Card MAKING LIFE SIMPLE 17#18ESG Q2 FY24 Update - Creating Value with ESG Environment Social 25 MAKING LIFE SIMPLE OSBI Card Governance 5.72 Lac+ Trees Saved (From FY'18 to FY'24 (till Sep'23) Through paperless communication with customers Energy Optimization Higher efficient mechanism introduced in Air Handling Units in Corporate Office; expected 90KwH savings annually. • A CSR initiative to establish 10 TPD Material Recovery Facility, 30 TPD Plastic Recycling Facility and 40 Aero-bin composters in Patiala with Indian Pollution Control Association for strengthening the waste management system New Programmes For Employees Welfare • Webinar on Sound Healing for employees to enhance wellness • Zumba Sessions in our main head office Gurugram (Haryana) every week to promote fitness • Nutritionist Consultation inhouse for employees twice a month to support and promote awareness on healthy diets Healthcare initiative for Communities • Project taken up with Sri Sathya Sai Health and Education Trust to set up Mother and Child Hospital at Raiwala (Uttarakhand) to address the mortality and morbidity rate of children • • Employee Awareness Programmes . Regular communication and trainings for all employees on Ethical Conduct • Mandatory Annual training on Improper Payments for all employees Risk awareness week celebrated sensitizing all employees on data protection Overview session of The Digital Personal Data Protection Act, 2023 ("DPDP Act") conducted for the senior management team of SBI Card 18#19Shareholders summary 25 OSBI Card MAKING LIFE SIMPLE OSBI card 23 4567 8901 MONTH/YEAR 12/27 19#20Shareholders Summary Shareholding Pattern, 30th September 2023 Resident Individuals 4.10% MF 11.73%. FPI 9.09% Insurance Others 5.02% 1.12% 25 OSBI Card MAKING LIFE SIMPLE Top 20 Shareholders as on 30th September 2023 S. No Name of Shareholder % 1 State Bank Of India 68.94 2 Life Insurance Corporation Of India - P & Gs Fund 2.50 3 Life Insurance Corporation Of India 1.82 4 Hdfc Trustee Company Limited-Hdfc Flexi Cap Fund 1.06 5 Mirae Asset Large Cap Fund 0.65 6 Icici Prudential Long Term Equity Fund Tax Savings 0.56 7 Icici Prudential Life Insurance Company Limited 0.56 8 Mirae Asset Emerging Bluechip Fund 0.54 9 Government Pension Fund Global 0.51 10 Mirae Asset Tax Saver Fund 0.51 11 Icici Prudential Value Discovery Fund 0.45 12 Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund 0.43 Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard 13 0.42 International Equity Index Funds 14 Vanguard Total International Stock Index Fund 0.41 15 Icici Prudential Multi-Asset Fund 0.39 Promoter Group 16 Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund 0.37 SBI & Subs. 17 Nippon Life India Trustee Ltd-A/C Nippon India Focused Equity Fund 0.36 68.94% 18 Mirae Asset Focused Fund 0.36 (SBI - 68.94%) 19 Kuwait Investment Authority Fund 225 0.34 20 Hdfc Trustee Company Limited - Hdfc Tax Saverfund 0.34 20 20#21Annexures 25 SBI Card MAKING LIFE SIMPLE 10% SBI Card >))) SimplyCLICK 0123 4567 8901 JMAR VALID MONTH/YEAR 12/27 THRU VISA Platinum 21#22Balance Sheet Statement Description Assets Loans (Net of Provisions) Mar'23 Sep'23 39,361 43,556 Cash & Bank Balances Investments 1,354 1,478 2,140 2,536 All other Financial Assets 559 674 Total Financial Assets 43,414 48,244 PP&E, Intangible & Right of use assets 574 539 Current & Deferred Tax 252 284 All other non-financial Assets 1,306 1,322 Total non-financial Assets 2,132 2,144 Total Assets 45,546 50,388 25 MAKING LIFE SIMPLE All figures are in Cr. OSBI card Liabilities and equity Equity Share Capital Other Equity Total Equity Borrowings All other financial liabilities 946 947 8,884 10,112 9,830 11,058 31,110 34,083 3,091 3,621 Total financial liabilities 34,201 37,704 Provisions 638 642 Other non-financial liabilities 876 985 Total non-financial liabilities 1,514 1,626 Total liabilities and equity 45,546 50,388 22 22#23Profit & Loss Statement 25 MAKING LIFE SIMPLE All figures are in Cr. OSBI Card P&L Q2 FY23 Q1 FY24 Q2 FY24 H1 FY23 H1 FY24 Interest Income Fees and commission income Sale of Services Business development incentive income Insurance commission income Net gain on fair value changes Total Revenue from operations Total Other Income Total Income/Revenue Finance costs Fees and commission expense Net loss on fair value changes 1,484 1,804 I 1,902 2,872 3,706 1,611 1,898 1,974 3,149 3,872 39 39 42 74 81 162 170 169 302 338 1 1 1 1 1 0 3,297 3,912 4,087 6,397 7,999 156 134 I 134 319 268 + 3,453 4,046 I 4,221 6,716 8,267 368 571 605 676 1,176 289 393 441 620 834 - 0 Impairment on Financial Instruments 546 719 742 996 1,460 Employee benefits & Expenses 129 145 148 268 293 Depreciation, amortisation & impairment 39 48 47 78 94 Operating & Other expenses 1,377 1,374 1,430 2,532 2,804 Total expenses 2,748 3,250 3,412 5,170 6,661 Profit before tax 706 797 I 809 1,547 1,606 Profit after tax 526 593 603 1,153 1,196 23 23#24Explaining Returns Q2 FY24 Q1 FY24 QoQ YOY H1 FY24 YOY Interest Income 15.5% 15.4% 3 bps 34 bps 15.5% 22 bps 1 Fees and other Income 17.8% 18.2% -40 bps -88 bps 18.0% -89 bps Recoveries | 1.1% 1.0% 8 bps -32 bps 1.0% -48 bps1 Total Revenue 1 34.4% 34.6% -28 bps -87 bps 11 34.5% -115 bps Finance Costs 4.9% 4.9% 3 bps 117 bps 4.9% 132 bps ! Operating Costs I 16.8% 16.8% 3 bps -189 bps !! 16.8% -177 bps Earnings before Credit Costs 12.6% 13.0% -35 bps -14 bps 12.8% -70 bps 1 Credit Costs I 6.0% 6.2% -12 bps 47 bps 6.1% 80 bps PBT | 6.6% 6.8% -23 bps -61 bps II II 6.7% -151 bps 1 Taxes 1.7% 1.7% -6 bps -16 bps 1.7% -38 bps ROAA 4.9% 5.1% -17 bps -45 bps 5.0% -112 bps Avg Assets/Avg Equity 4.5 4.6 4.6 ROAE 22.3% 23.3% -96 bps -181 bps 22.8% -461 bps 25 MAKING LIFE SIMPLE OSBI card 24 24#25Structural Liquidity (ALM) Assets Liability Maturity Profile - Sep'23 7,869 3,193 5,128 1,870 8,021 7,243 7,041 6,619 6,345 4,760 3,933 3,100 2,901 2,096 7,301 5,416 863 1,552 3,046 12,480 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 ■Inflows Outflows Cumulative Mismatch 4,676 25 MAKING LIFE SIMPLE All figures are in ₹ Cr. OSBI Card ✓ ✓ Well Matched ALM ₹9,987 Cr (31%) of sanctioned bank lines unutilized & available for draw down as of Sep'23 7,934 10,620 9,842 7,561 11,809 12,008 10,123 9,433 (0) 25#26Product Brief Super Premium Core Cards Vady Ch Banking 25 MAKING LIFE SIMPLE Co-Brand Cards Retail Travel OSBI Card PRIME OSBI Card OSBI Card lifestyle homecente OSBI Card CLUB Vistara OSBI Card PRIME »))) Elite 381 0123 4567 8901 12/25 VIJAY KUMAR ACAL 0123 4567 8901 LANDMARK HEWARDS 4354 1412 3456 7890 PRIME VISA 5321 0123 4567 8901 12/25 12/25 VIJAY KUMAR VISA ALOTHE 12/25 VIJAY KUMAR Signature VIJAY KUMAR Signature VISA Signature VIVAAN BHATT AURUM SBI Card Elite mastercard SBI Card PRIME Central Bank of India SBI OSBI Card Lifestyle Home Centre SBI Card Club Vistara SBI Card PRIME Vijay Kumar fabindia SBI Card SELECT SBI Card VISA OLA Money SBI Card u onl כוח רכב!! 4321 0123 4567 8901 12/25 12/25 VIJAY KUMAR VISA Signature ETIHAD QUEST SBI Card Card SBI Card SBI Card UCO Bank OSBI Card SimplyCLICK 4321 0123 4567 8901 MONTH YEAR 12/25 VIJAY KUMAR VISA VIJAY KUMAR >))) SimplySAVE 6528 9812 3456 7890 RuPay »))) Elite CAL 0323 4567 8901 WALD THRU 12/25 12/25 VIJAY KUMAR Platinum VISA PLATINUM VIJAY KUMAR VISA Signature Signature SimplyCLICK SBI Card SBI Card CASH B<CK ADITYA KAPOOR VISA Cashback SBI Card SHAURYA SBI Card 6543 2101 2345 6789 12/25 VIJAY KUMAR AIRFORCE/ARMY/NAVY SimplySAVE SBI Card UCO Bank SBI Card PULSE NAME SURNAME SBI Card SBI Card Pulse Fabindia SBI Card SBI Card ΤΟ ΤΑΤΑ »))) Elite EL 0123 4567 8901 12/25 5242 4792 8123 6789 TITANIUM 5242 MONTH YEAR VIJAY KUMAR VISA See suceso 122MasterCard Signature PSB SBI Card Tata Card Karnataka Bank SBI Card SBI Card » PRIME Akshara Singh Rathore 4321 012345678901 12/25 RuPay SELECT Dr. VIJAY KUMAR MBBS, MD 4321 0123 4567 8901 12/25 VIJAY KUMAR VISA Signature Shaurya Select SBI Card Doctor's SBI Card VISA Signature Karnataka Bank SBI Card Paytm SBI Card SELECT Air India SBI Signature Card QSBI Card VIJAY KUMAR OCTANE 432257 8901 VISA VIJAY KUMAR Signature VISA BPCL SBI Card OCTANE Etihad Guest SBI Premier Card OSBI Card yatra SBI Card titanium 552845 7890 5321 0123 4567 8901 MONTH/YEAR 12/25 VIJAY KUMAR RuPay> VIJAY KUMAR mastercard PLATINUM IRCTC SBI Card Premier Yatra SBI Card 26#27Market Share Sacard SimplyCLICK 1323 012357 ARC VIZAY KUMAR 43 012345678901 OSBI Card SimplySAVE 97 4901 CARDS IN FORCE Dominant credit card player in India SPENDS VISA 25 OSBI card MAKING LIFE SIMPLE TRANSACTIONS 19.7% 19.1% 19.2% 19.4% 19.7% 19.8% 19.2% 18.7% 18.2% 17.9% 18.2% | 17.2% III FY21 FY22 FY23 I FY24* FY21 FY22 FY23 FY24* FY21 FY22 FY23 FY24* *As per RBI report available till September'23 27#2825 MAKING LIFE SIMPLE Recent Developments Launch of Credit Card on UPI for SBI cards on RuPay Network SBI Card, India's largest pure-play credit card issuer, and National Payments Corporation of India (NPCI) have joined hands to allow linking of SBI Credit Cards on RuPay platform with UPI. The functionality will further enhance user experience and allow seamless UPI payments with added benefits of credit cards. To communicate this innovative payment solution more than 50 inserts in leading English and Regional News Dailies were planned. The campaign was further amplified with a widespread PR campaign and an influencer program with Rajkumar Rao and leading Social Media influencers. THE EASE OF UPI MEETS THE POWER OF SBI CREDIT CARD. OSBI Card SBI Card enables RuPay credit cards on UPI RuPay RuPay Cist Cardy And OSBI Card MAKING UPI PAYMENTS AND NOT GETTING REWARDED? RuPay RuPay LA CREDIT CARD AB YAHAN BHI CHALEGA ww Servi SBI Card 'AURUM' Product Features Enhancement SBI Card unveiled new features on 'AURUM', ranging from new annual spends-based milestone and welcome benefits to additional international lounge benefits and golf privileges. To communicate the enhanced benefits, a Press Note & extensive Advertorials on digital media platform was rolled out covering key media platforms and publications. Further, AURUM Ad campaign was rolled out in Aug & Sep month covering key lifestyle, business & in-flight magazines for premium association: Fortune, Condé Nast Traveler, Club Vistara, Namaste.Al (Air India). Hawk-Eye Branding in Asia Cup 2023 To leverage the popularity of Cricket, SBI Card partnered with ACC for the Asia Cup 2023. In line with our philosophy of 'Making Life Simple', SBI Card branding was placed on all 'Hawk-eye' analyses and reviews (DRS - Decision Review System) aired during the tournament. SBI Card branding featured more than 200 times during the tournament, giving us an airtime of 3,200+ seconds in total. 54 M OSBI Card th's hing like it. AURUM By invitation only rumodicans.com OSBI Card BAITING 00210 SE NAIM PACERS-TODAY BOUNDARIES OTHER DELIVERIES OSBI card B SUPER 11 ixigo NASEEM-PREVIOUS OVER 28 OSBI Card QSBI Card#29Digitization Initiatives 25 MAKING LIFE SIMPLE OSBI Card MOBILE APP REVAMP The SBIC Mobile App is now available with a fresh new look of pre-login pages and the homepage Account summary dashboard with a long scroll. UPI RUPAY INTEGRATION SBI Rupay Cards can be linked with Upi as a new payment channel This is a fast-growing channel with a wider reach and customer ease. BBPS ON WHATSAPP Now SBI Card Customers would be able to pay utility bills, fees, and other payments directly through WhatsApp. It enhances convenience, security, and accessibility. PAY SBI CARD PAYMENT THROUGH SBI UNIPAY SBI card has been successfully onboarded as a Merchant on BBPS NPCI Network. Now our customers will be able to make the SBI Card payment using BBPS through SBI Unipay. ROBUST IT INFRASTRUCTURE: Cloud SBIC NETWORK PROXY MOVES TO CLOUD BAIZ SBI Card's on-premises Broadcom proxy solution has been successfully migrated to cloud-based solution. Cloud-based proxy solution provides enhanced support with a seamless internet experience. CERTIFICATE OF COMPLIANCE 581 Cards and Payments 5 SISA PCI DSS CERTIFICATION SBI card is certified with PCI DSS Certification. This is a key step towards building advanced security controls to protect cardholder data and maintain a secure payment environment. 29 29#30ESG Engagements - Q2 FY24 25 OSBI Card MAKING LIFE SIMPLE Inauguration ceremony of 10 Tinkering Labs at Guwahati (Assam), by Education Advisor, Government of Assam. TINKERING LAB Inaugural Ceremony nitiative B ENT SER I Flood Relief Work in Delhi, Uttar Pradesh, Haryana & Punjab through Akshaya Patra Foundation Latitude: 27.554906 Longitude 77686129 Elevation 17903 10m Accuracy: 80m Time: 06-11-2023 15:01 S Powered Cam esp prol ธว Best CSR Excellence Award in Healthcare 2nd Edition of Healthcare Summit and Awards by The Associated Chambers of Commerce and Industry of India (ASSOCHAM). Silver Award in CSR Waste Management & Bronze Award in CSR Clean Energy 7th Edition of the CSR Health Impact Awards organized by Integrated Health and Wellbeing (IHW) Council 30 30#31SBI Card is now a Participant of the United Nations Global Compact (UNGC) Pledge to operate responsibly, in alignment with universal sustainability principles. ENVIRONMENT ++ ANTI-CORRUPTION UN GLOB COMPACT 7 Network India 25 MAKING LIFE SIMPLE Certificate of Participation OBAL COM THIS IS TO CERTIFY THAT SBI CARDS AND PAYMENTS SERVICES LIMITED ЯК HUMAN RIGHTS LABOUR IS AN ANNUAL BUSINESS PARTICIPANT OF UN GLOBAL COMPACT NETWORK (INDIA) FOR THE PERIOD OF JULY 2023 TO JUNE 2024 Network India Rathon Ratnesh Executive Director UN Global Compact Network India OSBI Card UNGC ID: 159,450 31#32Glossary Term Sum of all accounts opened in a reporting period. New Accounts Description 25 MAKING LIFE SIMPLE OSBI card Card-in-force Spends Retail Spends Corporate Spends Receivables Retail 30-day Active Rate Market share - CIF Market share - Spends Averages Spends per card Average NEA per card Yield % COF % 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 Spends (retail and corporate) constitutes the aggregate notional amounts (POS/online) transacted by our cardholders in a reporting period. Total retail spends constitutes the aggregate notional amounts (POS/online) transacted by our retail cardholders in a reporting period. Total corporate spends constitutes the aggregate notional amounts (POS/online) transacted by our corporate entity cardholders in a reporting period. Total credit card receivables outstanding from our cardholders at the end of the reporting period. Constitutes the number of active accounts (with at least one retail transaction) over the total accounts in a month. Market share of total cards outstanding is calculated by dividing our total cards outstanding by industry-wide total cards outstanding, as obtained from data published by RBI. Market share of total card spends is calculated by dividing our total card spends by the industry-wide total card spends, as obtained from data published by RBI., for the reporting period. 2-point average for quarter, 3-point average for half year, 4-point average for 9 months, and 5-point average for annual 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 NEA per card outstanding is calculated as total NEA 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). Cost to Income % ROAA Calculated 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). ROAE Shareholders' equity Calculated as net profit divided by the average shareholders' equity for the period (annualized). Shareholders' equity is defined as sum of share capital, reserves and surplus excluding reserves created out of amalgamation. 32#33Disclaimer 25 MAKING LIFE SIMPLE OSBI 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. 33#34Thank You 25 OSBI Card MAKING LIFE SIMPLE SBI card CASH B<CK ADITYA KAPOOR VISA 34 ==