Operating Leverage and Recent Developments

New Accounts and Cards-in-force New Accounts ('000) OSBI card Cards-in-force ('000) 1,002 902 609 13,767 14,316 12,044 Q1 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Q4 FY22 Q1 FY23 Channel wise Split 61.7% 53.8% 67.8% 38.3% 46.2% 32.2% Q1 FY22 Q4 FY22 Q1 FY23 ISBI Open Market Channel wise Split 56.9% 56.8% 57.8% 43.1% 43.2% 42.2% Q1 FY22 Q4 FY22 Q1 FY23 SBI Open Market

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