Investor Presentation Q4 FY22

Financial Results Figures in Cr OSBI card Q4 FY21 Q3 FY22 Q4 FY22 YOY FY21 FY22 YoY PAT * Total Revenue 2,468 3,140 3,016 22% 9,714 11,302 16% Finance Costs 244 277 267 10% 1,043 1,027 -2% I Operating Costs 1,285 1,719 1,577 23% 4,646 5,844 26% Earnings before Credit Costs 939 1,144 1,172 25%! 4,024 4,430 10% 1,616 I Credit Costs# 705 625 393 -44% i 985 2,700 2,258 -16% 581 PBT 234 519 779 232% 1,324 2,172 64% 386 175 Q4 FY21 Q3 FY22 Q4 FY22 FY21 FY22 Cost to Income 57.8% 60.0% 57.4% -42bps 53.6% 56.9% 329bps Gross NPA 4.99% 2.40% 2.22% -278bps ¦ 4.99% 2.22% -278bps I Net NPA 1.15% 0.83% 0.78% -37bps 1.15% 0.78% -37bps ROAA 2.6% 5.0% 7.0% 438bps 3.8% 5.4% 156bps ROAE EPS (Basic) 11.2% 1.87 21.2% 30.4% 1921bps 16.6% 22.8% 4.10 6.16 230% ! 10.48 17.16 621bps 64% * Total revenue includes provision write back of 108 Cr in Q3 FY22 due to GST refund # Credit costs include additional wave 3 overlay of 76 Cr in Q3 FY22 and is released in Q4 FY22 Credit costs include impairment losses on other assets and net loss on derecognition of financial instruments under amortized cost category (61 Cr in Q4 FY21 and FY21, 2 Cr in FY22) 12

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