Investor Presentation Q4 FY22

Executive Summary Q4 FY22 (VS Q4 FY21) Figures in Cr OSBI card Profitable operations PAT 581 Cr, ▲ 231% YoY PAT 581 ROAA 7.0% ROAE 30.4% Market Share (FY22)* Cards in force 18.9% (FY21 19.1%), Spends 19.2% (FY21 19.4%), Transactions 19.8% (FY21 19.7%) ▲ 231% / 51 % A438 bps/192 bps ▲ 1921bps/A914 bps Growing Portfolio ▲ 16% YoY in cards, 51% YoY in spends, 25% YoY in receivables CAR 23.8% Receivables 31,281 NNPA 0.78% ▼92 bps/41 bps ▲ 25%/ 7% 37 bps / 5 bps Asset Quality Adequate liquidity GNPA @ 2.22%, NNPA @ 0.78% Management overlay at 51 Cr. Diversified borrowings mix, adequate banking limits available. Healthy CAR @ 23.8%, T-1 @ 21.0% Cards in Force 1.38 Cr ▲ 16%/▲ 5% *As per RBI report available till Feb'22 Spends 54,134 51%/ 2% Represents YoY growth over Q4 FY21 GNPA 2.22% in Mar'22 vs 4.99% in Mar'21 and 2.40% in Dec'21 Represents QoQ growth over Q3 FY22 3

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