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Investor Presentaiton

Figures in Cr Capital Adequacy and Borrowings Cost of funds OSBI Card Borrowing Composition (Jun'20) 8.2% 7.5% 6.6% Q1 FY20 Q4 FY20 Q1 FY21 Capital Adequacy Ratio 24.4% 22.4% 17.7% 20.1% 18.9% 14.3% Q1 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q4 FY20 Q1 FY21 Tier-1 Total CAR Leverage 6.2 4.7 4.0 Q1 FY20 Q4 FY20 Q1 FY21 28% 57% 15% Bank Lines Commercial Papers Debentures Credit Ratings Short Term A1+ by CRISIL & ICRA Long Term AAA/Stable by CRISIL & ICRA 13

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