Q2 FY23 Financial Performance

Executive Summary H1 FY23 Profitable operations PAT 1,153 Cr, 77% YoY PAT 1,153 ROAA 6.1% Figures in Cr OSBI Card ROAE 27.4% ▲ 77% 141 bps 801 bps Market Share (FY23)* Cards in force 19.1% (FY22 18.7%), Spends 18.0% (FY22 19.2%), Transactions 18.3% (FY22 19.8%) Portfolio 18% YoY in cards, 41% YoY in receivables 59% YoY in spends, CAR 23.2% Receivables 37,730 NNPA 0.78% Asset Quality GNPA @ 2.14%, NNPA @ 0.78% Liquidity 187 bps 41% 13 bps Diversified borrowings mix, sufficient unutilized banking limits available. LCR @ 82% against stat. norm of 60% Cards in Force 1.48 Cr ▲ 18% *As per RBI report available till Sep'22 Spends 121,977 59% Represents YoY growth over H1 FY22 ΔΙ Represents QoQ growth over Q1 FY22

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