Operating Leverage and Recent Developments

Financial Results Figures in Cr OSBI Card Q1 FY22 Q4 FY22 Q1 FY23 QoQ YOY PAT Total Revenue 2,451 3,016 3,263 8% 33% Finance Costs 229 267 308 15% 35% Operating Costs 1,166 1,577 1,663 5% 43% Earnings before Credit Costs 1,056 1,172 1,291 10% 22% Credit Costs 645 393 450 15% -30% 581 627 PBT 410 779 841 8% 105% 305 Q1 FY22 Q4 FY22 Q1 FY23 Cost to Income 52.5% 57.4% 56.3% -106bps 380bps Gross NPA 3.91% 2.22% 2.24% 3bps -167bps Net NPA 0.88% 0.78% 0.79% 1bps -9bps ROAA 4.5% 7.0% 7.0% 5bps 247bps ROAE 18.7% 30.4% 30.8% 44bps 1217bps EPS (Basic) 3.24 6.16 6.65 8% 105% # Credit costs include release of additional wave 3 overlay of 76 Cr in Q4 FY22 10

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