Q2 FY23 Financial Performance

Revenue Figures in Cr OSBI Card Q2 FY22 Q1 FY23 Q2 FY23 QoQ YoY H1 FY22 H1 FY23 YoY Composition Revenue from operations Revenue from Operations 2,576 3,100 3,297 6% 28% 4,938 6,397 30% Q2 FY22 Q1 FY23 Q2 FY23 Other Income Total Revenue 119 163 156 -4% 31% 208 319 53% 2,696 3,263 3,453 6% 28% 5,146 6,716 31% 21% 23% 21% Finance Costs Net Revenue 254 308 368 19% 45% 483 676 40% 45% 46% 45% 2,441 2,954 3,086 4% 26% 4,663 6,040 30% 24% 27% 26% 7% 7% Interest Income Yield# 18.0% Cost of Funds 5.5% Net Interest Margin 14.1% 17.1% 5.1% 13.2% 16.4% 5.4% 12.3% -68 bps -166 bps 18.1% 16.6% -150 bps 7% 33 bps -7 bps -96 bps -184 bps 5.3% 5.3% -3 bps 14.3% 12.6% -166 bps Interest Income Spend based 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. 13

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