Operating Leverage and Recent Developments

Portfolio Growth Spends (Cr) 54,134 33,260 59,671 OSBI Card Receivables (Cr) 31,281 24,438 33,215 Q1 FY22 Q4 FY22 Q1 FY23 Spend per Avg Card ('000) 111 161 170 Q1 FY22 Q4 FY22 Q1 FY23 Receivable per Card (*) 20,290 22,722 23,202 Q1 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Q4 FY22 Q1 FY23 46% 50% 30 day spend active rate % 50% Receivable Mix % 6% 1% 0% 32% 34% 35% 29% 25% 26% 33% 40% 38% Q1 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Transactor Q4 FY22 Revolver Q1 FY23 EMI ■RBI RE 7

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