Q2 FY24 Key Highlights - OSBI Card

Asset Quality Gross Credit Cost -Gross Write off -Provision Recoveries Net Credit Cost * All figures are in Cr. 25 OSBI Card MAKING LIFE SIMPLE Receivables (Cr) (Composition Mix %) Q2 FY24 Q1 FY24 QoQ YOY H1 FY24 YOY 37,730 43,271 45,078 742 718 3% 36% 1,460 47% 678 622 9% 50% 1,299 51% 2% 2% 2% 7% 5% 6% 64 97 -34% -32% 161 18% 90% 92% 92% (132) (116) 14% -4% (247) -13% 610 603 1% 49% 1,213 71% Γ Q2 FY23 ■Stage 1 Q1 FY24 Q2 FY24 ■Stage 2 ■Stage 3 I Gross Credit Cost % 6.7% 6.8% -13 bps 56 bps 6.8% 95 bps ! L Net Credit Cost % 5.5% 5.7% -22 bps 90 bps 5.6% 147 bps Provision (Cr) (% of NEA) PCR % 64.1% 63.8% 26 bps 9 bps 64.1% 9 bps ECL % 3.4% 3.4% 1 bps 11 bps 3.4% 11 bps 1,230 64.0% 1,457 63.8% 1,521 64.1% GNPA % 2.43% 2.41% 2 bps 29 bps 2.43% 29 bps NNPA % 0.89% 0.89% 0 bps 11 bps 0.89% 11 bps Gross credit costs marginally lower driven by concerted collection efforts & portfolio actions. 5.2% 1.7% Q2 FY23 Stage 1 4.8% 1.7% Q1 FY24 4.7% 1.7% Q2 FY24 13 ■Stage 2 Stage 3 * Excludes impairment on other financial assets

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