ESG Q1 FY24 Update

P&L Summary Q1 FY24 Q4 FY23 QoQ YOY I Total Income -Revenue from Operations -Interest Income | -Fees & Other Revenue 4,046 3,917 3% 24% All figures are in Cr. 25 OSBI Card MAKING LIFE SIMPLE Revenue from operations (* Cr) (Composition Mix %) 3,912 3,762 4% 26% 1,804 1,672 8% 30% 2,108 2,090 1% 23% 3,100 3,762 3,912 134 154 571 507 I 1,960 1,980 1,515 1,429 719 630 797 800 593 596 I-Other Income Interest Cost Operating Cost Earning Before Credit Cost Credit Cost PBT PAT Key Metrics IYield 16.9% 16.7% 20bps -13bps ¡COF 7.1% 6.7% 37bps 197bps Q1 FY23 Interest Income NIM 11.5% 11.5% -8bps -176bps Instance Based & Others Cost to Income% 56.4% 58.1% -167bps 10bps 'Credit Cost 6.8% 6.3% 51bps 129bps IROA 5.1% 5.4% -31bps -194bps -13% -17% 13% 85% 7% 7% 7% -1% 18% 21% 22% 21% 6% 17% 14% 60% 27% 26% 26% -0% -5% -1% -5% 45% 44% 46% Q4 FY23 Q1 FY24 ■Spend Based Subscription Based 11

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