Q2 FY23 Financial Performance

Operating Costs Figures in Cr OSBI Card Operating Leverage Q2 FY22 Q1 FY23 Q2 FY23 QoQ YOY H1 FY22 H1 FY23 YOY Employee Cost 115 139 129 -7% 12% 231 268 16% (6)% (6)% Depreciation 40 39 39 -1% -3% 72 78 7% Fees and commission expense 232 331 289 -13% 25% 410 620 51% 4% 10% 26% 33% Other operating expenses 997 1,155 1,377 19% 38% 1,836 2,532 38% Operating Costs 1,383 1,663 1,834 10% 33% 2,550 3,497 37% YoY QoQ Vs. Q1 FY23 Cost to Income % 56.7% 56.3% 59.4% 314 bps 277 bps 54.7% 57.9% 323 bps Vs. Q2 FY22 Net revenue growth Opex growth 16

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