ESG Q1 FY24 Update

Portfolio Growth Spend per Avg Card (* '000) 170 171 179 176 173 130 140 142 136 137 T T T Q1 FY23 Q2 FY23 Q4 FY23 Q1 FY24 Q3 FY23 Ret+Corp Ret 30 day spend active rate % 25 OSBI Card MAKING LIFE SIMPLE Receivable per Card (*) 25,445 23,202 24,318 24,293 24,949 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Receivables(Cr)/Mix % 33,215 37,730 38,626 40,722 43,271 Interest Earning Receivables 50% 50% 51% 50% 50% 61% 61% 62% 35% 35% 37% 37% 38% 26% 24% 24% 24% 24% 38% 41% 39% 39% 38% Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Q1 FY24 Transactor Revolver EMI Strong momentum on spends growth leading to higher receivables and increased IBNEA 7

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