PitchSend

Investor Presentaiton

P&L Summary Figures in Cr OSBI Card P&L Q1 FY20 Q4 FY20 Q1 FY21 YOY QoQ FY20 Interest Income 1,049 1,348 1,412 35% 5% 4,841 Income from fees and services 916 959 668 -27% -30% 3,979 Service Charges 29 35 17 -41% -52% 118 Business development incentive income 72 87 54 -25% -38% 327 Insurance commission income 3 -41% -57% 11 Net gain on fair value changes -11% Total Revenue from operations 2,068 2,433 2,152 4% -12% 9,276 Total Other Income Total Income 236 77 43 -82% -44% 476 2,304 2,510 2,196 -5% -13% 9,752 Finance costs 302 334 275 -9% -18% 1,301 Employee benefits & Expenses 104 133 112 7% -16% 468 Depeciation, amortisation & impairement 29 29 28 -5% -3% 104 Operating & Other expenses 939 1,047 761 -19% -27% 4,189 CSR Expenses 17 6 -62% 20 Impairment losses & bad debts 397 838 485 22% -42% 1,940 Net loss on fair value changes 1 Total expenses Profit before tax Profit after tax 1,772 2,398 1,667 -6% -30% 8,023 533 112 528 -1% 371% 1,730 346 84 393 14% 371% 1,245 18

View entire presentation