Q2 FY23 Financial Performance

Explaining Returns OSBI Card Q2 FY22 Q1 FY23 Q2 FY23 QoQ YoY H1 FY22 H1 FY23 YOY | Interest Income 16.8% 15.5% 15.1% -38bps -169bps 16.9% 15.2% -163bps Fees and other Income 20.1% 19.3% 18.7% -65bps -146bps I 18.9% 18.9% -6bps Recoveries 1.7% 1.7% 1.4% -26bps -30bps 1.5% 1.5% 2bps Total Revenue 38.7% 36.5% 35.2% -128bps -344bps 37.3% 35.6% -167bps Finance Costs 3.6% 3.5% 3.8% 30bps 11bps 3.5% 3.6% 9bps T Operating Costs 19.8% 18.6% 18.7% 10bps -114bps 18.5% 18.6% 8bps I Earnings before Credit Costs 15.2% 14.4% 12.8% -168bps -241bps | 15.3% 13.5% -183bps Credit Costs 8.5% 5.0% 5.6% 53bps -295bps 9.0% 5.3% I -370bps PBT 6.7% 9.4% 7.2% -221bps 54bps I 6.3% 8.2% 187bps Taxes 1.7% 2.4% 1.8% -56bps 13bps I 1.6% 2.1% 46bps ROAA 4.9% 7.0% 5.4% -165bps 41bps I 4.7% 6.1% 141bps Avg Assets/Avg Equity 4.1 4.4 4.5 4.1 4.5 ROAE 20.1% 30.8% 24.1% -671bps 404bps 19.4% 27.4% 800bps 12

View entire presentation