Operating Leverage and Recent Developments

Portfolio Insights Occupation Cards- in- Force As on 30th Jun 2022 New Sourcing For Q1 FY23 26% 74% OSBI Card Salaried Category Age profile By City Tier 18% 20% 31% 35% 36% 35% 29% 47% 30% 20% Salaried Self Employed ■Govt/PSU Cat A Cat B Under 30 31-45 >45 Tier 1 Tier 2 Tier 3 Others 1.30 1.11 0.85 1.19 16% 0.71 13% 1.15 25% 24% 1.06 33% 40% 18% 44% 1.00 84% 27% 0.96 1.05 ■Salaried Self Employed ■Govt/PSU Cat A Cat B Self employed new sourcing primarily from SBI Sourcing 51% 25% 0.92 1.00 Under 30 31-45 >45 Tier 1 Tier 2 Tier 3 Others Indexed 30+ delinquency 8

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