Investor Presentation Q4 FY22

P&L Summary Figures in Cr SBI card P&L Q4 FY21 Q3 FY22 Q4 FY22 YOY FY21 FY22 YOY Interest Income 1,082 1,273 1,266 17% 4,947 4,866 -2% Fees and commission income 1,114 1,457 1,427 28% 3,908 5,227 34% Service Charges 35 37 35 1% 134 132 -1% Business development incentive income 85 121 121 42% 299 448 50% Insurance commission income 2 1 1 -54% 8 5 -41% Net gain on fair value changes 0 1 Total Revenue from operations 2,319 2,889 2,850 23% 9,296 10,677 15% Total Other Income 149 250 166 11% 417 624 50% Total Income/Revenue 2,468 3,140 3,016 22% 9,714 11,302 16% Finance costs 244 277 267 10% 1,043 1,027 -2% Fees and commission expense 179 311 302 10% 607 1,023 -2% Net loss on derecognition of financial instruments under amortized cost 61 *n.c. 61 2 *n.c. category Impairment losses & bad debts 643 625 393 -39% 2,639 2,256 -15% Employee benefits & Expenses 126 121 121 -4% 492 473 -4% Depreciation, amortisation & 34 37 39 15% 123 149 21% impairment Operating & Other expenses 946 1,250 1,115 18% 3,425 4,201 23% Total expenses 2,234 2,621 2,237 0% 8,390 9,129 9% Profit before tax 234 519 779 232% 1,324 2,172 64% Profit after tax 175 386 581 231% 985 1,616 64% *n.c. denotes not comparable 24 24

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