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Investor Presentaiton

Performance Highlights (FY20 Vs FY19) OSBI Card PAT *1,245 Cr Ex COVID 1,662 Cr 44% [* 865 Cr] ROAA 5.5% Ex COVID 7.2% 64 bps [4.8%] ROAE 27.4% Ex COVID 35.0% 97 bps [28.4%] CAR 22.4% Tier 1 17.7% 228 bps [20.1%] CIF 1.05 Cr 28% [0.83 Cr] SPENDS RECEIVABLES GNPA * 130,915 Cr * 24,141 Cr 2.01 % ▲ 27% [ 103,265 Cr] 30% [* 18,526 Cr] 43 bps [2.44%] Figures in [] represents FY19 Note: Ex COVID: After excluding COVID impacts of 489 Cr towards additional credit provisions and 90 Cr towards late fee reversals in Q4 FY20 and adjusted for tax 3
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