Q2 FY23 Financial Performance

P&L Summary Figures in Cr OSBI Card P&L Q2 FY22 Q1 FY23 Q2 FY23 QoQ YoY H1FY22 H1FY23 YOY Interest Income 1,173 1,387 1,484 7% 27% 2,327 2,872 23% Fees and commission income 1,244 1,538 1,611 5% 29% 2,343 3,149 34% Sale of Services 36 35 39 13% 9% 60 74 24% Business development incentive income 121 140 162 16% 34% 206 302 47% Insurance commission income 2 1 -10% -55% 3 1 -45% Net gain on fair value changes *n.c. *n.c. *n.c. Total Revenue from operations Total Other Income Total Income/Revenue 2,576 119 3,100 3,297 6% 28% 4,938 6,397 30% 163 156 -4% 31% 208 319 53% 2,695 3,263 3,453 6% 28% 5,146 6,716 31% Finance costs 254 308 368 19% 45% 483 676 40% Fees and commission expense 232 331 289 -13% 25% 410 620 51% Net loss on derecognition of financial instruments under *n.c. *n.c. 2 *n.c. amortized cost category Impairment on Financial Instruments 594 450 546 21% -8% 1,237 996 -19% Employee benefits & Expenses 115 139 129 -7% 12% 231 268 16% Depreciation, amortisation & 40 39 39 -1% -3% 72 78 7% impairment Operating & Other expenses 997 1,155 1,377 19% 38% 1,836 2,532 38% Total expenses 2,231 2,422 2,748 13% 23% 4,272 5,170 21% Profit before tax 464 841 706 -16% 52% 874 1,547 77% Profit after tax 345 627 526 -16% 52% 650 1,153 77% *n.c. denotes not comparable 21 21

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