Investor Presentaiton

Figures in Cr Capital and borrowings Cost of funds OSBI Card Borrowing Composition (Mar20) 8.1% 8.4% FY19 FY20 14.9% 17.7% FY19 CAR 20.1% 22.4% FY20 Tier-1 FY19 Total CAR FY20 Financial Leverage 6.0 4.7 FY19 FY20 26% 59% 15% Bank Lines ■Commercial Papers Debentures Credit Ratings Short Term A1+ by CRISIL & ICRA Long Term AAA/Stable by CRISIL & ICRA 13

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