Operating Leverage and Recent Developments

Market Share Cards in force Dominant credit card player in India OSBI card Spends Transactions I I 18.3% 19.1% 18.7% 18.4% 19.4% 17.9% 19.2% 18.6% 19.7% 19.8% 17.7% 18.7% FY20 FY21 FY22 FY23 * FY20 FY21 FY22 FY23 * FY20 FY21 FY22 FY23* *As per RBI report available till May'22 LO

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