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Investor Presentaiton

Explaining Returns Q1 FY20 Q4 FY20 Q1 FY21 Interest Income 19.6% 21.0% 22.8% YOY 318 bps QoQ 177 bps Fees and other Income 22.1% 16.9% 12.0% -1011 bps -491 bps Recoveries 1.3% 1.2% 0.6% -69 bps -57 bps Total Income 43.1% 39.1% 35.4% -763 bps -371 bps Finance Costs 5.6% 5.2% 4.4% -121 bps -78 bps Net Revenue 37.4% 33.9% 31.0% -642 bps -292 bps Credit Costs 7.4% 13.1% 7.8% 42 bps -524 bps Operating Costs 20.1% 19.1% 14.6% -541 bps -447 bps PBT 10.0% 1.7% 8.5% -143 bps 678 bps Taxes 3.5% 0.4% 2.2% -132 bps 173 bps ROAA 6.5% 1.3% 6.3% -11 bps 505 bps Avg Assets/Avg Equity 5.6 5.0 4.5 ROAE 36.1% 6.5% 28.3% -783 bps 2,173 bps OSBI Card 11

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