Operating Leverage and Recent Developments

Key Trends New Accounts ('000) Corporate Spends (Cr) 12,980 14,183 12,263 8,491 953 1,008 1,002 902 6,162 609 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 Retail Spends (Cr) Receivables (Cr) ■Transactor ■Revolver ■EMI RBI RE 42,417 45,488 24,438 26,741 29,129 31,281 33,215 41,872 35,070 6% 4% 2% 1% 0% 27,098 32% 32% 33% 34% 35% 29% 27% 27% 25% 26% 33% 37% 38% 40% 38% Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Q1 FY22 Q2 FY22 Q3 FY22 Q4 FY22 Q1 FY23 IEA 61% 59% 60% 59% 61% IEA, Interest earning assets = EMI + Revolver SBI Card

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