Investor Presentaiton

Revenue Growth Q1 FY20 Q4 FY20 Q1 FY21 YoY QoQ Revenue from Operations Other Income Total Income Finance Costs Net Revenue 2,068 236 2,433 2,152 4% -12% Q1 FY20 77 43 -82% -44% 2,304 2,510 2,196 -5% -13% 20% 302 334 275 -9% -18% 2,002 2,176 1,921 -4% -12% 23% Interest Income Yield 21.2% 22.1% 23.9% 269 bps 175 bps Cost of Funds 8.2% Net Interest Margin 15.1% 7.5% 16.6% 6.6% 19.2% (158) Bps (88) Bps 7% 414 bps 260 bps Figures in Cr OSBI Card Composition Revenue from operations 51% 20% Interest Income Spend based Q4 FY20 18% 7% 12% Q1 FY21 14% 55% 8% 66% Subscription based Instance based & other 12

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