Q2 FY23 Financial Performance

Retail Spends Insights Online Spend % Spends Categories Category 1 OSBI card Total Spends % Growth^ POS Spends Online Spends Departmental Stores, Health, Utilities, 57.8% 11% 5% 13% 54.4% 51.9% Education & Direct Marketing 44.9% 44.2% III Category 2 Consumer durables, Furnishing & 10% 5% 39% Hardware Category 3 45% 6% 212% Apparel & Jewelry FY19 FY20 FY21 FY22 H1 FY23 Category 4 Travel Agents, Hotels, Airline, Railways, 5% 3% 6% Entertainment & Restaurant ^ Q2 FY23 Over Q2 FY22 | Category analysis excludes Fuel & Automotive Service category 10 10

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