Investor Presentation Q4 FY22

Explaining Returns Q4 FY21 Q3 FY22 Q4 FY22 YOY FY21 FY22 YOY I Interest Income 15.9% 16.6% 15.2% -77bps 19.3% 16.3% -303bps Fees and other Income 18.4% 22.5% 19.1% 71bps 17.0% 19.8% 279bps Recoveries 2.0% 1.8% 1.9% -15bps 1.6% 1.7% 13bps Total Revenue 36.4% 41.0% 36.1% -22bps 37.9% 37.8% -10bps Finance Costs 3.6% 3.6% 3.2% -39bps 4.1% 3.4% -64bps Operating Costs 18.9% 22.4% 18.9% -4bps I 18.1% 19.5% 142bps T Earnings before Credit Costs 13.8% 14.9% 14.0% 21bps I 15.7% 14.8% -89bps I I Credit Costs 10.4% 8.2% 4.7% -568bps | 10.5% 7.5% -298bps 十 PBT 3.5% 6.8% 9.3% 588bps 5.2% 7.3% I 210bps Taxes 0.9% 1.7% 2.4% 151bps ¦ 1.3% 1.9% 54bps I ROAA 2.6% 5.0% 7.0% 438bps I 3.8% 5.4% 156bps + T Avg Assets/Avg Equity 4.3 4.2 4.4 I 4.3 4.2 ROAE 11.2% 21.2% 30.4% 1921bps 16.6% 22.8% 621bps | OSBI Card 13

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