Investor Presentation Q4 FY22

Portfolio Growth Spends (Cr) 55,397 54,134 35,943 OSBI Card Receivables (Cr) 25,114 29,129 31,281 Q4 FY21 Q3 FY22 Q4 FY22 Spend per Avg Card ('000) 123 172 161 Q4 FY21 Q3 FY22 Q4 FY22 Receivable per Card () 21,244 22,133 22,722 Q4 FY21 Q3 FY22 Q4 FY22 30 day spend active rate % 49.0% 52.0% 50.0% Q4 FY21 Q3 FY22 Q4 FY22 Receivable Mix % 8% 2% 1% 33% 34% 29% 28% 27% 25% 35% 38% 40% Q4 FY21 Q3 FY22 Q4 FY22 Q4 FY21 Q3 FY22 Q4 FY22 Transactor Revolver ■EMI RBI RE

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