Investor Presentaiton

Performance Highlights Robust profitability ■ PAT 1,245 Cr YoY 44%, (# Ex COVID PAT 1,662 Cr YoY 92%) ROAA 5.5%, ROAE 27.4% (# Ex COVID ROAA 7.2%, ROAE 35.0%) Positive operating leverage; Income Growth 34%, Opex growth 26% ■ Improving market share ☐ Market share*: Cards 18.2% (FY19 17.6%), Spends 17.9% (FY19 17.1%) Growing above industry average Growing Portfolio ■ 28% growth in cards; 27% growth in spends; 30% growth in Receivables Diversified revenue stream, Interest Income 52% of revenue from operations SBI card ■ GNPA @ 2.0% at Mar20, COVID impact on credit quality uncertain Asset quality ■ ■ Additional COVID provisions of *489 Cr created Portfolio analysis undertaken; significant measures implemented to mitigate credit risks. Adequate liquidity and CAR Diversified borrowings mix, adequate unutilized banking credit available Healthy CAR @ 22.4%, T-1 @ 17.7%, additional equity of 499 Cr issued during IPO 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 * As per RBI report available till Jan'20 2

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