ESG Q1 FY24 Update

Actions underway Pre-acquisition Portfolio Management 25 MAKING LIFE SIMPLE OSBI Card Collections Low limit card sourcing restricted * Locations curtailed basis viability Credit line reduction in high-risk segments Cross ܀ sell restricted segments exposure for high-risk Customized digital interventions to drive contacts and payments Strengthening Collection. infra in remote locations. ❖ Tightened controls on Ho new acquisitions Field allocation strategy fine-tuned to build more. intensity Specific segments identified and actions underway to reduce credit cost.... 16

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