Investor Presentation Q4 FY22

Operating Costs Figures in Cr OSBI card Operating Leverage Q4 FY21 Q3 FY22 Q4 FY22 YoY FY21 FY22 YoY 4% 1% Employee Cost 126 121 121 -4% i 492 473 -4% Depreciation 34 37 39 15% 123 149 21% -4% 24% 23% Fees and commission expense $ 179 311 302 69% 607 1,023 69% -8% Other operating expenses 946 1,250 1,115 18% ! 3,425 4,201 23% Operating Costs 1,285 1,719 1,577 23% I 4,646 5,844 26% QoQ Vs. Q3 FY22 YOY Vs. Q4 FY21 Cost to Income % 57.8% 60.0% 57.4% -42 bps¦ 53.6% 56.9% 329 bps Net revenue growth Fees and commission expense earlier clubbed under other operating expenses are shown separately from current quarter. Opex growth 17

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