Investor Presentaiton

Portfolio Insights Occupation Cards-in-Force As on 30th Jun 2020 New Sourcing For Q1 FY21 21% 79% Salaried Category Age profile 32% 47% 21% 25% 24% 51% OSBI Card By City Tier 11% 17% 33% 38% ■Salaried ■Self Employed ■Govt/PSU Cat A Cat B Under 30 31-45 >45 ■Tier 1 Tier 2 Tier 3 Others 1.26 0.87 0.92 1.17 15% 0.65 22% 10% 1.25 0.87 30% 35% 14% 39% 85% 0.94 Salaried ■Self Employed Indexed 30+ delinquency 26% 48% 24% 0.93 1.06 52% 1.01 0.98 ■Govt/PSU Cat A Cat B Under 30 31-45 >45 Tier 1 ■Tier 2 Tier 3 Others * Re-categorization of cities

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