Operating Leverage and Recent Developments

Retail Spends Insights OSBI Card Online Spend % Spends Categories Total Spends % Growth^ POS Spends Q1 FY23 Vs Online Spends DJF'20* I I H Category 1 I 54.4% 55.2% 51.9% 44.9% 44.2% | || Departmental Stores, Health, Utilities, Education & Direct Marketing 7% 6% 8% J Category 2 Consumer durables, Furnishing & 7% 5% 43% Hardware Category 3 FY19 FY20 FY21 FY22 Q1 FY23 Apparel & Jewellery 5% 21% 44% I Category 4 I Travel Agents, Hotels, Airline, 31% 24% 37% Railways, Entertainment & Restaurant ^ Q1 FY23 Over Q4 FY22 | * Total Spends of Q1 FY23 compared to Dec' 19, Jan-Feb'20: Pre-Covid Period Category analysis excludes Fuel & Automotive Service category

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