Investor Presentaiton

Asset Quality Figures in Cr OSBI Card Key highlights Q4 FY19 Q4 FY20 YoY FY19 FY20 YOY 2.44% 2.01% Impairment and losses * 352 838 138% 1,148 1,940 69% GNPA Gross Credit Costs # 231 838 262% 1,027 1,937 89% Gross Credit Costs (Ex COVID) 231 348 51% 1,027 1,448 41% FY19 FY20 COVID Impact 489 489 Recoveries (70) (76) 7% (253) (306) 21% 67.2% 66.5% Net Credit Costs 161 762 374% 774 1,631 111% PCR Net Credit Costs (Ex COVID) 161 273 70% 774 1,142 48% FY19 FY20 Gross Credit Cost % 5.1% 13.7% 861 bps 6.2% 9.1% 288 bps Net Credit Cost % 3.5% 12.5% 893 bps 4.7% 7.6% 297 bps 5.5% Ex-COVID 3.3% ECL % Gross Credit Costs % 5.1% 5.7% 61 bps 6.2% 6.8% 58 bps FY19 FY20 Net Credit Costs % 3.5% 4.5% 92 bps 4.7% 5.4% 68 bps • Includes provision on GST and other assets of 121 Cr in Q4 FY19 and 3 Cr towards provision on other assets in FY20 # Includes 92 Cr towards significant corporate write offs in FY20 16

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