Q2 FY23 Financial Performance

Portfolio Growth 43,560 Spends (Cr) 59,671 62,306 Q2 FY22 Q1 FY23 Q2 FY23 Spend per Avg Card ('000) 170 171 142 114 130 140 Q2 FY22 Q1 FY23 Ret+Corp Ret Q2 FY23 30 day spend active rate % 50% 50% 50% Q2 FY22 Q1 FY23 OSBI Card Receivables (Cr) 33,215 26,741 Q2 FY22 37,730 Q1 FY23 Q2 FY23 Receivable per Card (*) 21,257 23,202 25,445 Q2 FY22 Q1 FY23 Q2 FY23 Receivable Mix % 4% 0% 0% 32% 35% 35% 27% 26% 24% 37% 38% 41% Q2 FY22 Q1 FY23 Q2 FY23 Q2 FY23 Transactor Y22 Q Revolver ■EMI ■RBI RE

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