Q2 FY23 Financial Performance

Financial Results Figures in Cr OSBI card I Q2 FY22 Q1 FY23 Q2 FY23 QoQ YoY H1 FY22 H1 FY23 YOY PAT I Total Revenue 2,696 3,263 3,453 6% 28% 5,146 6,716 31% Finance Costs 254 308 368 19% 45% 483 676 40% Operating Costs 1,383 1,663 1,834 10% 33% 2,550 3,497 37% 1,153 Earnings before Credit Costs 1,058 1,291 1,252 -3% 18% 2,114 2,543 20% 627 650 526 345 Credit Costs# 594 450 546 21% -8% I 1,239 996 -20% PBT 464 841 706 -16% 52% 874 1,547 77% Q2 FY22 Q1 FY23 Q2 FY23 H1 FY22 H1 FY23 Cost to Income 56.7% 56.3% 59.4% 314bps 277bps 54.7% 57.9% 323bps Gross NPA 3.36% 2.24% 2.14% -10bps -122bps 3.36% 2.14% -122bps Net NPA 0.91% ROAA 4.9% ROAE 20.1% EPS (Basic) 3.67 0.79% 0.78% 7.0% 5.4% 30.8% 24.1% 6.65 5.57 -1bps -13bps 0.91% 0.78% -13bps -165bps 41bps 4.7% 6.1% 141bps -671bps 404bps 19.4% 27.4% 801bps -16% 52% I 6.91 12.22 77% # Credit costs include impairment losses on other assets and net loss on derecognition of financial instruments under amortized category 11

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