Q2 FY23 Financial Performance

Q2 FY23 Business Highlights Focus on business growth Robust financials: PAT 526 Cr, 52% YoY Higher Business Volumes New accounts at 1,295K, ▲ 36% YoY . Spends at 62,300 Cr+ Receivables at 37,730 Cr, Robust Financials 43% YoY 41% YoY · Total revenue at 3,453 Cr, ▲ 28% YoY • PAT at 526 Cr, ▲ 52% YoY • ROAA at 5.4%, 41 bps YoY and ROAE at 24.1%, 404 bps YoY Healthy Asset Quality • GNPA at 2.14%, 122 bps YoY and NNPA at 0.78%, Healthy capital adequacy, CAR at 23.2%, Tier 1 at 20.2% Recent Developments . Launch of Cashback SBI Card SBI Card recognized as 'Reader's Digest Trusted Brand' 13 bps YoY OSBI Card 2

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