ESG Q1 FY24 Update

Asset Quality by Sourcing Vintage Delinquency (Ever 90+%) by Sourcing Vintage (Excl. RBI RE and SCSS) 1 15 • • 0.86 0.59 6 MOB 12 MOB 24 MOB 30 MOB 36 MOB CY17 CY18 CY19 CY20 CY21 CY22 Delinquency curve for CY19 sourcing relatively worse Performance of recent sourcing in line with expectations Credit cost expected to trend lower as proportion of newer (better quality) vintages increases 25 MAKING LIFE SIMPLE Self-Employed Segment OSBI card 0.75 1.64 Q3 FY20 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Indexed 30+ Delinquency Indexed Sourcing Share Growth Strategically increased sourcing from self-employed segment and tier3/4 segments . Tier 3/4 1.67 0.9 Q3 FY20 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Indexed 30+ Delinquency Indexed Sourcing Share Growth Tier 3-4 delinquencies showing downward trend

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