Investor Presentaiton

Portfolio Growth Spends 103,265 28,070 32,429 Q4 FY19 Q4 FY20 130,915 FY19 FY20 Receivables Figures in Cr OSBI Card +27% +30% 24,141 18,526 Spend per Avg Card ('000) - 2% 142 142 126 139 Q4 FY19 Q4 FY20 FY19 FY20 30 days active % 54.5% 53.5% 55.9% 54.7% Q4 FY19 Q4 FY20 FY19 FY20 Percentage of 30-day active accounts is calculated by dividing the sum of all accounts carrying out at least one transaction in the last 30 days by the sum of total accounts. FY19 FY20 Receivable per Card (*) +2% 22,888 22,398 FY19 FY20 Composition of Receivables 71.1% 67.7% 28.9% 32.3% FY19 FY20 Term balances FY19 Open ended balances FY20 Represents YoY % 9

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