Investor Presentaiton

Operating Costs Figures in Cr OSBI Card Q1 FY20 Q4 FY20 Q1 FY21 YOY QoQ Positive Operating Leverage Employee Cost 104 133 112 7% -16% YoY 11% QoQ 14% Depreciation 29 29 28 -5% -3% -4% CSR 0 17 6 -62% -12% -15% Other operating expenses 939 1,047 761 -19% -27% -26% Operating Costs 1,073 1,226 907 -15% -26% Cost to Income % 53.6% 56.3% 47.2% (635)bps (909)bps Income growth Opex growth 15

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