ESG Q1 FY24 Update

Key Highlights for Q1 FY24 Continued business growth, focus on profitable segments 10.97 lacs New A/cs 22% YOY 20% QoQ 25 MAKING LIFE SIMPLE OSBI Card 1.73 Cr * 73,913 Cr * 43,271 Cr CIF 21% YoY 3% QoQ Spends Receivables ▲ 30% YoY 6% QoQ ▲ 24% YoY 3% QoQ Balance Sheet Profitability Business Volumes * 593 Cr PAT ▼ 5% YoY Cost to Income 56.4% 1% QoQ 10 bps YoY 167 bps QoQ ROAA 5.1% 194 bps YoY 31 bps QoQ 23.3% ROAE 756 bps YoY 129 bps QoQ GNPA 2.41% ▲ 17 bps YoY 6 bps QoQ NNPA 0.89% ▲ 9 bps YoY ▲ 2 bps QoQ 22.9% CAR 173 bps YoY 15 bps QoQ LCR 86% (Stat. Req. 70%) 4

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