ESG Q1 FY24 Update

Retail Spends Insights 25 MAKING LIFE SIMPLE OSBI card % Growth^ Online Spend % 52% 54% 44% 57% 55% Spends Categories Category 1 Departmental Stores, Health, Utilities, Total Spends POS Spends Online Spends Education & Direct Marketing 1% 5% 1% Category 2 Consumer durables, Furnishing & 17% 11% 41% Hardware, Apparel & Jewelry Category 3 FY20 FY21 FY22 FY23 Q1 FY24 Travel Agents, Hotels, Airline, Railways, Entertainment & Restaurant 11% 7% 15% ^ Q1 FY24 Over Q4 FY23 | Category analysis excludes Fuel & Automotive Service category. POS growth faster than online in Q1 FY24 Travel, Dining & Entertainment continues to grow at 11% QoQ vs 5% overall growth 8

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