Q2 FY23 Financial Performance

Asset Quality Figures in Cr OSBI Card Stage Wise Receivables Q2 FY22 Q1 FY23 Q2 FY23 QoQ YoY H1 FY22 H1 FY23 YOY 26,741 33,215 Impairment and losses 594 450 546 21% -8% 1,239 996 -20% 37,730 2.1% 2.2% 3.4% 7.4% 8.3% Gross Credit Costs 593 448 546 22% -8% 1,237 994 -20% 11.2% 89.5% 90.5% 85.4% Recoveries (118) (148) (137) -7% 16% (206) (284) 38% Q2 FY22 Q1 FY23 Net Credit Costs 475 300 410 36% -14% 1,033 710 -31% ■Stage 1 Stage 2 Q2 FY23 Stage 3 Gross Credit Cost % 9.3% 5.6% 6.2% 61 bps -312 bps 9.7% 5.8% -391 bps Net Credit Cost % 7.4% 3.7% 4.6% 90 bps -281 bps 8.1% 4.2% -396 bps ECL % 5.0% 3.4% 3.3% -16 bps -178 bps 5.0% 3.3% -178 bps GNPA 3.36% 2.24% 2.14% -10 bps -122 bps 3.36% 2.14% -122 bps Stage Wise ECL Provisions NNPA 0.91% 0.79% 0.78% -1 bp -13 bps 0.91% 0.78% -13 bps RCR 73.7% 65.1% 64.0% -113 bps -967 bps 73.7% 64.0% -967 bps ECL Provisions 5.0% 4.0% 3.5% 3.4% 3.3% Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 # Credit costs include impairment losses on other assets and net loss on derecognition of financial instruments under amortized category 1,347 1,136 1,230 73.7% 65.1% 64.0% 11.0% 5.8% 5.2% 1.6% 1.7% 1.7% Q2 FY22 Q1 FY23 Q2 FY23 ■Stage 1 Stage 2 Stage 3 17

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