Q2 FY24 Key Highlights - OSBI Card

Explaining 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

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