Q2 FY24 Key Highlights - OSBI Card

Key Financials Revenue from operations 24% YOY 3,507 3,762 3,912 4,087 4% QOQ 3,297 Q2 FY23 Interest Cost Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 464 507 571 605 64% YOY 6% QOQ 368 PAT Trend 15% YOY 2% QOQ 25 MAKING LIFE SIMPLE All figures are in Cr. OSBI card 4% YOY 1,153 1,196 593 603 526 Q2 FY23 Operating Cost Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Q2 FY23 Q1 FY24 Q2 FY24 H1 FY23 H1 FY24 1,974 1,980 13% YOY 5% QOQ Key Insights: 1,834 1,960 2,066 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Credit Cost 36% YOY 719 742 3% Q0Q 630 546 533 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q2 FY24 Consistent Performance delivering Profitable Growth. COF is stable @ 7.1% vs PQ, NIM lower due to lower yield on a/c of Product Mix. Cost to income marginally higher due to cashback costs on campaigns in August. Gross credit cost contained at 6.7% with focused collections and portfolio actions. 10

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