Operating Leverage and Recent Developments

Revenue Revenue from Operations Other Income Total Revenue Finance Costs Net Revenue Interest Income Yield# Cost of Funds* Net Interest Margin Figures in Cr OSBI Card Q1 FY22 Q4 FY22 Q1 FY23 QoQ YOY Composition Revenue from operations 2,362 89 2,850 3,100 9% 31% Q1 FY22 Q4 FY22 Q1 FY23 166 163 -2% 83% 2,451 3,016 3,263 8% 33% 21% 229 267 308 15% 35% 23% 22% 45% 44% 2,222 2,749 2,954 7% 33% 49% 27% 20% 26% 18.5% 16.8% 17.1% 23 bps -145 bps 8% 7% 5.2% 4.9% 5.1% 25 bps -7 bps 8% 14.8% 13.2% 13.2% -1 bps -158 bps Interest Income Subscription based Instance based & other # 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. Spend based 12

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