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Investor Presentaiton

Portfolio Growth 30,174 Spends (Cr) 32,429 19,085 OSBI Card Receivables (Cr) 21,231 24,141 23,330 Q1 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q4 FY20 Q1 FY21 Spend per Card ('000) 141 126 72 Receivable per Avg Card (*) 24,072 22,888 22,005 Q1 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q4 FY20 Q1 FY21 30 day spend active rate % 54.9% 53.5% 40.4% Receivable Mix % 31% 32% 30% 38% 40% 45% 31% 27% 25% Q1 FY20 Q4 FY20 Q1 FY21 Q1 FY20 Q4 FY20 Q1 FY21 Transactor Revolver Term

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