Operating Leverage and Recent Developments

Balance 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

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