ESG Q1 FY24 Update

Explaining Returns 25 MAKING LIFE SIMPLE OSBI card Q1 FY24 Q4 FY23 QoQ YOY Interest Income 15.4% 15.1% 33bps -8bps Fees and other Income 18.2% 18.9% -71bps -113bps Recoveries 1.0% 1.4% -38bps -66bps Total Revenue 34.6% 35.4% -76bps -187bps Finance Costs 4.9% 4.6% 30bps 144bps Operating Costs 16.8% 17.9% -111bps -183bps I | Earnings before Credit Costs 13.0% 12.9% 5bps -148bps Credit Costs 6.2% 5.7% 46bps 111bps 1 PBT 6.8% 7.2% -41bps -259bps Taxes 1.7% 1.8% -10bps -65bps ROAA 5.1% 5.4% -31bps -194bps Avg Assets/Avg Equity 4.6 4.6 ROAE 23.3% 24.6% -129 bps -756 bps 26

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