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Investor Presentaiton

Financial Results Figures in Cr OSBI Card Q1 FY20 Q4 FY20 Q1 FY21 YoY QoQ FY20 PAT Total Income 2,304 2,510 2,196 -5% -13% 9,752 Finance Costs 302 334 275 -9% -18% 1,301 Credit Costs 397 838 485 22% -42% 1,940 Operating Costs YoY% QoQ% 14% 371% 1,073 1,226 907 -15% -26% 4,781 PBT 533 112 528 -1% 371% 1,730 346 393 84 Cost to Income 53.6% 56.3% 47.2% (635)Bps (909)Bps 56.6% Gross NPA 2.7% 2.0% 1.4% (133)Bps (66)Bps 2.0% Q1 FY20 Q4 FY20 Q1 FY21 ROAA 6.5% 1.3% 6.3% (11)Bps 505Bps 5.5% ROAE 36.1% 6.5% 28.3% EPS 3.71 0.89 4.19 (783)Bps 13% 2,173Bps 27.4% 371% 13.3 10

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