Operating Leverage and Recent Developments

Executive Summary Q1 FY23 (vS Q1 FY22) Profitable operations PAT 627 Cr, ▲ 106% YoY Market Share (FY23)* Cards in force 18.4% (FY22 18.7%), Spends 18.6% (FY22 19.2%), Transactions 18.7% (FY22 19.8%) 1 Figures in Cr OSBI card PAT 627 ROAA 7.0% ROAE 30.8% ▲ 106%/ 8% A247 bps/A5 bps A1217 bps/A44 bps Growing Portfolio ▲ 19% YoY in cards, 79% YoY in spends, 36% YoY in receivables CAR 24.7% Receivables 33,215 141 bps/83 bps ▲ 36%/6% Asset Quality GNPA @ 2.24%, NNPA @ 0.79% Adequate liquidity Diversified borrowings mix, adequate banking limits available. Healthy CAR @ 24.7%, T-1 @ 21.5% Cards in Force 1.43 Cr ▲ 19%/▲ 4% *As per RBI report available till May'22 NNPA 0.79% 9 bps / ▲ 1 bps Spends 59,671 79%/ ▲ 10% Represents YoY growth over Q1 FY22 Represents QoQ growth over Q4 FY22 GNPA 2.24% in Jun'22 vs 3.91% in Jun'21 and 2.22% in Mar'22 3

View entire presentation