Investor Presentaiton

Revenue Growth Figures in Cr SBI card Q4 FY19 Q4 FY20 YoY FY19 FY20 YOY Revenue from Operations * Other Income ^ Total Income Finance Costs Net Revenue 1,983 2,433 93 77 23% 6,999 9,276 33% Composition Revenue from operations FY19 FY20 -17% 288 476 65% 2,076 2,510 21% 7,287 9,752 34% 19% 19% 273 334 23% 1,009 1,301 29% 1,803 2,176 21% 6,277 8,451 35% 51% 22% 52% 23% Interest Income Yield 21.2% 22.1% 95 bps 21.6% 22.7% 109 bps 7% 6% Cost of Funds 8.3% 7.5% (85) bps 8.1% 8.4% 29 bps Net Interest Margin 15.1% 16.6% 155 bps 15.5% 16.6% 109 bps Interest Income Spend based I Subscription based Instance based & other * Includes reversal of 90 Cr towards Late fees as part COVID impact in Q4 FY20 ^ Includes 162 Cr accounting write backs on rewards point and other provisions in FY20 12

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