Investor Presentaiton

Explaining returns OSBI Card Q4 FY19 Q4 FY20 YOY FY19 FY20 YOY Interest Income 19.4% 21.0% 162 bps 20.0% 21.3% 129 bps Fees and other Income 21.6% 18.3% -324 bps 19.4% 20.7% 130 bps Recoveries 1.4% 1.2% -26 bps 1.4% 1.3% -7 bps COVID Impact (late fee) 0.0% -1.4% -140 bps 0.0% -0.4% -40 bps Total Income 42.4% 39.1% -328 bps 40.8% 42.9% 213 bps Finance Costs 5.6% 5.2% -36 bps 5.7% 5.7% 7 bps Net Revenue 36.9% 33.9% -292 bps 35.1% 37.2% 205 bps Credit Costs 7.2% 5.4% -175 bps 6.4% 6.4% -4 bps COVID Impact(provisions) 0.0% 7.6% 763 bps 0.0% 2.2% 215 bps Operating Costs 21.8% 19.1% -270 bps 21.2% 21.0% -20 bps PBT 7.9% 1.8% -611 bps 7.5% 7.6% 14 bps Taxes 2.8% 0.5% -233 bps 2.6% 2.1% -50 bps ROAA 5.1% 1.3% -378 bps 4.8% 5.5% 64 bps Avg Assets/Avg Equity 5.5 5.0 5.9 5.0 ROAE 27.8% 6.5% -2,127 bps 28.4% 27.4% -97 bps ROAA (Ex COVID) 5.1% ROAE (Ex COVID) 27.8% 7.9% 38.5% 286 bps 4.8% 7.2% 240 bps 1,074 bps 28.4% 35.0% 661 bps 11

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