Investor Presentation Q4 FY22

Retail Spends Insights OSBI Card Online Spend % Spends Categories Total Spends % Growth^ POS Spends Q4 FY22 Vs Online Spends DJF'20* I I H Category 1 I 54.4% Departmental Stores, Health, Utilities, 51.9% ▲ 24% 4% 35% Education & Direct Marketing 43.0% 44.9% 44.2% Category 2 Consumer durables, Furnishing & 19% 21% 14% Hardware FY18 FY19 FY20 FY21 FY22 Category 3 Apparel & Jewellery 26% 26% 24% 1 Category 4 I Travel Agents, Hotels, Airline, 8% 7% 9% Railways, Entertainment & Restaurant ^ Q4 FY22 Over Q3 FY22 | * Total Spends of Q4 FY22 compared to Dec'19, Jan-Feb'20: Pre-Covid Period Category analysis excludes Fuel & Automotive Service category 11

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