Investor Presentation Q4 FY22

Asset Quality Figures in Cr OSBI Card Stage Wise NEA Q4 FY21 Q3 FY22 Q4 FY22 YoY¦ FY21 FY22 YoY T Impairment and losses 705 625 393 -44% i 2,700 2,258 -16% Gross Credit Costs 705 625 393 -44%¦ 2,700 2,258 -16% 25,114 29,129 31,281 Recoveries (138) (140) (157) 14% ! (398) (503) 26% 2.4% 2.2% 5.0% 9.4%0 8.5% Net Credit Costs 567 486 236 -58% 2,302 1,755 -24% 12.5% Gross Credit Cost % 11.1% 9.0% 5.2% -588bps 11.0% 8.3% -278bps 82.5% 88.2% 89.3% Net Credit Cost % 8.9% 7.0% ECL % 6.6% 4.0% GNPA 4.99% 2.40% 3.1% -579bps 3.5% -309bps 2.22% -278bps 9.4% 6.4% -299bps Q4 FY21 6.6% 3.5% -309bps Stage 1 Q3 FY22 Stage 2 Q4 FY22 Stage 3 4.99% 2.22% -278bps NNPA PCR 1.15% 0.83% 0.78% -37bps ¦ 1.15% 0.78% -37bps 77.9% 65.9% 65.3% -1260bps 77.9% 65.3% -1260bps ECL Provisions 6.6% 5.7% 5.0% 4.0% 3.5% 4.7% 4.2% 3.4% 2.0% Mar'21 Jun'21 Without overlay Sep'21 Dec'21 With overlay 3.3% Mar'22 Impairment and losses/Gross Credit costs include additional wave 3 overlay of 76 Cr in Q3 FY22. The same has been reversed in Q4 FY22 Credit costs include impairment losses on other assets and net loss on derecognition of financial instruments under amortized cost category (61 Cr in Q4 FY21 and FY21, 2 Cr in FY22) Accelerated write offs of 226 Cr in Q3 FY22 and 79 Cr in Q4 FY22 with corresponding provision release of the same amount in respective quarters Stage Wise ECL Provisions 1,655 1,161 1,094 77.9% 65.9% 65.3% 11.0% 8.2% 7.0% 1.6% 1.8% 1.6% Q4 FY21 Q3 FY22 Q4 FY22 ■Stage 1 ■Stage 2 Stage 3 18

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