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Investor Presentaiton

Asset Quality Figures in Cr OSBI Card Key highlights Q1 FY20 Q4 FY20 Q1 FY21 YOY QoQ Impairment and losses 397 838 485 22% -42% 2.68% GNPA 2.01% Gross Loss on Loans 396 838 485 22% -42% 1.35% Gross write off Provision 240 351 405 69% 15% Q1 FY20 Q4 FY20 Q1 FY21 156 (3) 80 -49% -2760% COVID provisions 489 72.0% 67.2% 68.3% Recoveries (70) (76) (38) -46% -50% PCR Net Credit Costs 326 762 447 37% -41% Q1 FY20 Q4 FY20 Q1 FY21 Net Credit Costs( Ex-COVID) 326 273 447 37% 64% Gross Credit Cost % 8.0% 13.7%* 8.2% 21Bps -552Bps Net Credit Cost % 6.6% 12.5%# 7.5% 97Bps -492BPS ECL % 6.0% 5.5% 3.6% *EX COVID: 5.7%; # EX COVID 4.5% Q1 FY20 Q4 FY20 Q1 FY21 Impairment and losses also includes provisions on other assets 16

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