Investor Presentaiton

Financial Results Figures in Cr SBI card Q4 FY19 Q4 FY20 YOY FY19 FY20 YOY PAT Total Income ^ 2,076 2,510 21% 7,287 9,752 34% +44% 1,245 Finance Costs 273 334 23% 1,009 1,301 29% Reported Credit Costs # 352 838 138% 84 1,148 1,940 69% 249 Operating Costs 1,067 1,225 15% 3,795 4,781 26% Ex COVID 500 PBT 385 112 (71)% 1,335 1,730 30% COVID impact (417) PBT (EX COVID) 385 692 80% 1,335 2,309 73% Q4 FY19 Q4 FY20 865 +92% 1,662 (417) FY19 FY20 Cost to Income 59.2% 56.3% (285) Bps 60.4% 56.6% (388) bps COVID Impact (Pre-Tax) Gross NPA 2.44% 2.01% (43) Bps 2.44% ROAA* 5.1% ROAE** 27.8% 1.3% (378) bps 6.5% (2,127) bps 4.8% 28.4% 2.01% 5.5% 27.4% (43) bps 64 bps (97) bps Total COVID Impact 579 EPS (Basic) Revenue (Late fee reversal) Impairment losses 90 489 9.5 13.3 41% ^ Includes 162 Cr accounting write back on rewards point and other write backs in FY20. # Includes significant write off of 92 Cr on specific corporate write offs in FY20. * Ex COVID impact ROAA for Q4'20 at 7.9% and FY20 at 7.2%.** Ex COVID impact ROAE for Q4'20 at 38.5% and FY20 at 35.0%. Note: Ex COVID: After excluding COVID impacts of 489 Cr towards additional credit provisions and 90 Cr towards late fee reversals in Q4 FY20 and adjusted for tax 10

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