Investor Presentation Q4 FY22

Investing for Digital Transformation OSBI card Customer acquisition Instant card issuance for ETB (existing to SBIC) customers Digital journey for NTB (new to SBIC) prospects Faster issuance and activation Cost savings and efficiencies Issuance to ETB being scaled up ✓ Pilot for NTB completed, on track for launch ☑ Q1 FY23 Building capabilities for future Customer Servicing Bill payment on AskILA (Chatbot) Increase in bill payment sign-up, lever for activation ☑ Expand use cases for AskILA by leveraging conversational Al ✓ Cost efficiencies in long-run Enhance servicing experience through self-service features Q1 FY23 Customer engagement Upgrade Marketing Technology (MarTech)-hyper personalization Mobile app UI/UX revamp Enhance engagement with customers through out journey. . . right time, right offer Q3 FY23 Maximise ROI on marketing spend and drive growth 19

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