Q2 FY23 Financial Performance

Executive Summary Q2 FY23 Figures in Cr OSBI Card Profitable operations PAT 526 Cr, 52% YoY PAT 526 ROAA 5.4% ROAE 24.1% ▲ 52%/ 16% 41 bps/ 165 bps ▲404 bps/ 671 bps Market Share (FY23)* Cards in force 19.1% (FY22 18.7%), Spends 18.0% (FY22 19.2%), Transactions 18.3% (FY22 19.8%) Portfolio 18% YoY in cards, 41% YoY in receivables 43% YoY in spends, CAR 23.2% Receivables 37,730 NNPA 0.78% 187 bps/ 149 bps ▲ 41% / 14 % 13 bps/ 1 bps Asset Quality GNPA @ 2.14%, NNPA @ 0.78% Liquidity Diversified borrowings mix, sufficient unutilized banking limits available. LCR @ 82% against stat. norm of 60% Cards in Force 1.48 Cr ▲ 18%/▲ 4% *As per RBI report available till Sep'22 Spends 62,306 43%/▲ 4% Represents YoY growth over Q2 FY22 GNPA 2.14% in Sep'22 vs 3.36% in Sep'21 and 2.24% in Jun'22 Represents QoQ growth over Q1 FY23 3

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