Investor Presentaiton

COVID-19 Reponses and business impact 10 New Accounts ('000) Per day Spends (Cr) Per day 376 256 COVID Responses OSBI card Significant actions undertaken to ensure business continuity, customer servicing, safety of our employees and business associates and mitigate risks. Manage Risk ■ Collections " ■ Relief provided to cardholders in line with RBI moratorium Monitoring portfolio closely for early stress indicators ■ Additional COVID provision of 489 Cr taken in books to protect future losses Field collection has come to complete halt, tele-calling capabilities being enhanced ■ Collections strategy being revamped Jan'20 to Mid Mar'20 2nd Half Mar'20 Jan'20 to Mid Mar'20 2nd Half Mar'20 Moratorium Repayments (Cr) Per day Treasury Operations (Cr) Funds 411 316 Available 3,702 22% Jan'20 to Mid 2nd Half Mar'20 Mar'20 ■ Account management being handled remotely 10,594 Utilized Bank Borrowings Servicing & Operations Employee Safety ☐ Leveraging digital capabilities to service customers Our digital assets ensuring customer connect during lock down mobile app✔ chatbot ASK ILA web app oscard My Card CO IT & InfoSec Liquidity ■ Work from home guidelines implemented ■ Dedicated COVID-19 medical advisory helpline set up ■ All business-critical applications supported remotely ■ Enhanced controls and monitoring for information security Treasury operations managed remotely, all payment obligations serviced on time ■ Sufficient banking credit lines available

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