Investor Presentation Q4 FY22

Revenue Figures in Cr OSBI Card Q4 FY21 Q3 FY22 Q4 FY22 YOY! FY21 FY22 YoY I Composition Revenue from operations Revenue from Operations 2,319 2,889 2,850 23% 9,296 10,677 15% Q4 FY21 Q3 FY22 Q4 FY22 Other Income $ 149 250 166 11% 417 624 50% Total Revenue 2,468 3,140 3,016 22% 9,714 11,302 16% 22% Finance Costs Net Revenue 244 277 267 10% 1,043 1,027 -2% 23% 22% 44% 2,224 2,863 2,749 24% 44% 8,670 10,274 19% 47% 26% 22% 27% Interest Income Yield# 17.1% 17.9% 16.8% -27 bps 20.1% 17.6% -251 bps 7% 8% Cost of Funds* 5.5% 5.4% 4.9% -59 bps 6.1% 5.2% -92 bps 8% Net Interest Margin 13.2% 14.0% 13.2% 2 bps! 15.9% 13.9% -200 bps Interest Income Spend based Subscription based Instance based & other $ Other income includes provision write back of Rs. 108 Cr in Q3 FY22 due to GST refund. # Interest Income yield is based on interest income from card holders (excluding Interest income on investments, deposits & others). *Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings. 14

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