Q2 FY24 Key Highlights - OSBI Card

P&L Summary All figures are in Cr. 25 OSBI Card MAKING LIFE SIMPLE Revenue from operations (* Cr) (Composition Mix %) Q2 FY24 Q1 FY24 QoQ YOY H1 FY24 YOY Total Income 4,221 4,046 4% 22% 8,267 23% -Revenue from Operations 4,087 3,912 4% 24% 7,999 25% -Interest Income 1,902 1,804 5% 28% 3,706 29% -Fees & Other Revenue I 2,186 2,108 4% 21% 4,293 22% 3,297 3,912 4,087 I -Other Income I 134 134 -0% -14% 268 -16% Interest Cost 605 571 6% 64% 1,176 74% 7% 7% 7% Operating Cost 2,066 1,960 5% 13% 4,025 15% 21% 21% 21% Earning Before Credit Cost 1,551 1,515 2% 24% 3,066 21% Impairment on Financial 26% 26% 26% 742 719 3% 36% 1,460 47% Instruments PBT 809 797 2% 15% 1,606 4% PAT 603 593 2% 15% 1,196 4% 45% 46% 47% Key Metrics Yield 16.8% 16.9% -14 bps 41 bps 16.9% 28 bps Q2 FY23 COF NIM 7.1% 11.3% 11.5% 7.1% 2 bps 165 bps 7.1% 184 bps Interest Income Q1 FY24 Q2 FY24 Spend Based -12 bps -92 bps 11.4% -122 bps Instance Based & Others Subscription Based I Cost to Income% 57.1% 56.4% 71 bps -232 bps 56.8% -114 bps I Credit Cost 6.7% 6.8% -13 bps 56 bps 6.8% 95 bps ROA 4.9% 5.1% -17 bps -45 bps 5.0% -112 bps 11

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