Operating Leverage and Recent Developments

Q1 FY23 Business Highlights Strong business performance driving higher profits PAT 627 Cr, ▲ 106% YoY Sustained business growth • New accounts at 900K+, Spends at 59,600 Cr+ 48% YoY 79% YoY Receivables at 33,215 Cr, ▲ 36% YoY Robust financials OSBI Card . Total revenue at 3,263 Cr, ▲ 33% YoY . PAT at 627 Cr, . 106% YoY ROAA at 7.0%, ▲ 247 bps YoY and ROAE at 30.8%, 1217 bps YoY Healthy asset quality GNPA at 2.24%, 167 bps YoY and NNPA at 0.79%, Healthy capital adequacy, CAR at 24.7%, Tier 1 at 21.5% New initiatives . • Cobrand with Aditya Birla Finance End to end digital customer acquisition (Project Sprint) 9 bps YoY 2

View entire presentation