Q2 FY24 Key Highlights - OSBI Card

Glossary Term Sum of all accounts opened in a reporting period. New Accounts Description 25 MAKING LIFE SIMPLE OSBI card Card-in-force Spends Retail Spends Corporate Spends Receivables Retail 30-day Active Rate Market share - CIF Market share - Spends Averages Spends per card Average NEA per card Yield % COF % Sum of all credit cards issued by us, including suspended credit cards that may be reactivated in future, net of cancelled and deactivated credit cards. Total Spends (retail and corporate) constitutes the aggregate notional amounts (POS/online) transacted by our cardholders in a reporting period. Total retail spends constitutes the aggregate notional amounts (POS/online) transacted by our retail cardholders in a reporting period. Total corporate spends constitutes the aggregate notional amounts (POS/online) transacted by our corporate entity cardholders in a reporting period. Total credit card receivables outstanding from our cardholders at the end of the reporting period. Constitutes the number of active accounts (with at least one retail transaction) over the total accounts in a month. Market share of total cards outstanding is calculated by dividing our total cards outstanding by industry-wide total cards outstanding, as obtained from data published by RBI. Market share of total card spends is calculated by dividing our total card spends by the industry-wide total card spends, as obtained from data published by RBI., for the reporting period. 2-point average for quarter, 3-point average for half year, 4-point average for 9 months, and 5-point average for annual calculations. Average card spends per cards outstanding is calculated by dividing our total card spends by the average total cards outstanding for the period (annualized). Average NEA per card outstanding is calculated as total NEA at the end of the reporting period divided by total cards at the end of the reporting period. Calculated as interest income from cardholders divided by average receivables for the period (annualized). Calculated as total finance costs for the period divided by average borrowings (including lease liabilities) for the period (annualized). Cost to Income % ROAA Calculated as operating and other expenses divided by total income after subtracting finance cost. Calculated as net profit divided by average total assets for the period (annualized). ROAE Shareholders' equity Calculated as net profit divided by the average shareholders' equity for the period (annualized). Shareholders' equity is defined as sum of share capital, reserves and surplus excluding reserves created out of amalgamation. 32

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