Investor Presentation Q4 FY22

Delivered Impressive 12M Results New Accounts + 33% Business Growth 2,685K FY21 Strong net income growth Improving asset quality Profitability ratios Retail Spends Receivables OSBI card + 43% +25% -> 3,572K FY22 102,414 Cr FY21 → 146,457 Cr FY22 25,114 Cr Mar 21 → 31,281 Cr Mar 22 Total Income +16% 9,714 Cr -> 11,302 Cr FY21 FY22 EBCC + 10% 4,024 Cr FY21 -> 4,430 Cr FY22 985 Cr FY21 GCL % (-) 278 bps 11.0% FY21 -> 8.3% FY22 4.99% Mar 21 GNPA % (-) 278 bps -> PAT + 64% -> 1,616 Cr FY22 2.22% 6.6% ECL % (-) 309 bps -> 3.5% Mar 22 Mar 21 Mar 22 ROAA 3.8% + 156 bps -> ROAE + 621 bps FY21 5.4% FY22 16.6% FY21 -> 22.8% FY22 10.48 FY21 EPS (Basic) + 64% -> 17.16 FY22 5

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