Investor Presentation Q4 FY22

Q4 FY22 Key Highlights Strong business performance driving higher profits PAT 581 Cr, ▲ 231% YoY Sustained business growth • New accounts at 1MN+, Spends at 54,100 Cr+ O 27% YoY 51% YoY 41,800 Cr+, ▲ 40% YoY; Corporate Spends at 12,200 Cr+ ▲ 102% YoY 31,281 Cr, ▲ 25% YoY Retail spends at Receivables at Robust financials OSBI card 3,016 Cr, ▲ 22% YoY Total revenue at · PAT at 581 Cr, ▲ 231% YoY · ROAA at 7.0%, 438 bps YoY and ROAE at 30.4%, ▲ 1921 bps YoY Improvement in Asset quality continues . GNPA at 2.22%, 278 bps YoY (4.99% as of Mar'21) and NNPA at 0.78%, 37 bps YoY (1.15% as of Mar'21) Management overlay at 51 Cr (RBI RE at 287 Cr less than 1% of receivables) Healthy capital adequacy, CAR at 23.8%, Tier 1 at 21.0% New Products . Cobrand with Nature's Basket 2

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