ESG Q1 FY24 Update

Asset Quality I Gross Credit Cost I-Gross Write off -Provision Recoveries Net Credit Cost | Gross Credit Cost % Net Credit Cost % PCR % 1 ECL % GNPA % NNPA % | | II | | I I II II II | I 25 MAKING LIFE SIMPLE All figures are in Cr. OSBI card Receivables (Cr) (Composition Mix %) Q1 FY24 Q4 FY23 QoQ YOY 718 628 14% 60% 33,215 40,722 43,271 622 541 15% 53% T 97 88 10% 132% 2% 2% 2% 8% 5% 5% (116) (152) (24%) (22%) 603 477 26% 101% 89% 92% 92% 6.8% 6.3% 51bps 129 bps 5.7% 4.8% 94 bps 202 bps Q1 FY23 Q4 FY23 Q1 FY24 63.8% 63.6% 24 bps -129 bps ■Stage 1 ■Stage 2 ■Stage 3 3.4% 3.3% 3 bps -5 bps 2.41% 2.35% 5bps 17 bps 0.89% 0.87% 2 bps 9 bps Provision (Cr) (% of NEA) 1,136 65.1% 1,361 63.6% 1,457 63.8% Actions underway to control credit cost Specific cohorts identified for portfolio action Collection efforts intensified 5.8% 1.7% Q1 FY23 ■Stage 1 4.7% 1.7% Q4 FY23 4.8% 1.7% Q1 FY24 13 ■Stage 2 ■Stage 3

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