Q2 FY23 Financial Performance

Borrowings & Capital Adequacy 5.5% Q2 FY21 Cost of funds 5.1% Q1 FY23 Borrowing Composition 5.4% Q2 FY23 Leverage OSBI card 3.8 3.9 4.2 Sep'21 Jun'22 Sep'22 Capital Adequacy Ratio Tier Tier - II Sep'21 Jun'22 2% Sep'22 4% 25.0% 24.7% 23.2% 3.2% 32% 30% 3.2% 2.9% 34% 21.8% 21.5% 20.2% 60% 61% 63% 6% 4% 5% Sep'21 Jun'22 Sep'22 Bank Lines ■Commercial Papers NCD Term Loan Credit Ratings: Short Term A1+ by CRISIL & ICRA Long Term AAA/Stable by CRISIL & ICRA Leverage = Liabilities / Tier 1 Equity Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings. Liquidity Coverage Ratio 84% 82% 60% 60% 74% 50% Sep'21 Jun'22 ILCR% Sep'22 -Statutory requirement 14

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