Investor Presentaiton

Operating Costs Figures in Cr OSBI card Q4 FY19 Q4 FY20 YOY FY19 FY20 YOY Positive Operating Leverage Employee Cost 94 133 42% 379 468 24% Depreciation 16 29 74% 55 104 88% + 3% + 8% CSR 11 17 53% 14 20 40% Other operating expenses 945 1,047 11% 3,346 4,189 25% 34% 25% 26% Operating Costs 23% 1,067 1,225 15% 3,795 4,781 26% Q4 FY20 FY20 Cost to Income % 59.2% 56.3% (285) bps 60.4% 56.6% (388) bps Income Growth Opex Growth 15

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