SBICARDNSE27 October 2022

SBI Cards and Payment Services Limited has informed the Exchange about Investor Presentation

SBI Cards and Payment Services Limited

October 27, 2022

The BSE Limited Corporate Relationship Department. Phiroze Jeejeebhoy Towers. Dalal Street, Mumbai - 400 001

The National Stock Exchange of India Limited Exchange Plaza, C-1, Block G, Bandra-Kurla Complex. · Bandra (E), Mumbai - 400 051

SCRIP CODE: 543066

SYMBOL: SBICARD

SECURITY: Equity Shares/Debentures

SECURITY: Equity Shares

Dear Sirs,

Re: Disclosure under Regulation 30 of SEBI (Listing Obligations and Disclosure for

- Copy of Presentation made

Requirements) Regulations, 2015 Analysts/Investors on Financial Results

In compliance with the provisions of Regulation 30 read with Schedule III Part A of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, we enclose herewith a copy of presentation made for Analysts/Investors on Financial Results of the Company for the quarter and the half year ended September 30, 2022

Kindly take the same on record.

Thanking you,

Yours faithfully,

For SBI Cards and Payment Services Limited

Payal Mittal Chhabra Company Secretary & Compliance Officer

SBI Cards and Payment Services Ltd.

DLF Infinity Towe rs, Tower C,

Tel: 0124-4589803

Registe red Office:

12th Floor, Block 2, Bu ilding 3,

DLF Cyber City, Gurugram · 122002,

Emai l: custom erca re@ sbicard .com Webs ite: sbica rd.com

Un it 40 1 & 402 , 4th Floor, Aggarwal Mi llennium Tower,

E 1,2 ,3, Netaji Subhash Place, Wa zirpur, New Delhi - 110034

Haryo11a, India

CIN - L65999DL 1998PLC093849

Investor Presentation

Q2 FY23

Oct 27, 2022

OSBI Card

Q2 FY23 Business Highlights

Focus on business growth Robust financials: PAT ₹ 526 Cr,  52% YoY

Higher Business Volumes

• New accounts at 1,295K,  36% YoY Spends at ₹ 62,300 Cr+  43% YoY • Receivables at ₹ 37,730 Cr,  41% YoY •

Robust Financials

• • •

Total revenue at ₹ 3,453 Cr,  28% YoY PAT at ₹ 526 Cr,  52% YoY ROAA at 5.4%,  41 bps YoY and ROAE at 24.1%,  404 bps YoY

Healthy Asset Quality

• GNPA at 2.14%,  122 bps YoY and NNPA at 0.78%,  13 bps YoY •

Healthy capital adequacy, CAR at 23.2%, Tier 1 at 20.2%

Recent Developments

• •

Launch of Cashback SBI Card SBI Card recognized as ‘Reader’s Digest Trusted Brand’

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Executive Summary Q2 FY23

Profitable operations

PAT ₹ 526 Cr,  52% YoY

Market Share (FY23)*

Cards in force 19.1% (FY22 18.7%), Spends 18.0% (FY22 19.2%), Transactions 18.3% (FY22 19.8%)

Portfolio

 18% YoY in cards,  43% YoY in spends,  41% YoY in receivables

Figures in ₹ Cr

OSBl card

PAT 526

ROAA 5.4%

ROAE 24.1%

 52%/  16 %

41 bps/  165 bps

404 bps/  671 bps

CAR 23.2%

Receivables 37,730

NNPA 0.78%

 187 bps/  149 bps

 41%/  14 %

 13 bps /  1 bps

Asset Quality

GNPA @ 2.14%, NNPA @ 0.78%

I ,---------------------------------------------

Liquidity

Diversified borrowings mix, sufficient unutilized banking limits available. LCR @ 82% against stat. norm of 60%

*As per RBI report available till Sep’22

Cards in Force 1.48 Cr

Spends 62,306

 18%/ 4%

 43%/  4%

'---------------------------------------------------------------------------------✓ /  Represents YoY growth over Q2 FY22

/  Represents QoQ growth over Q1 FY23

GNPA 2.14% in Sep’22 vs 3.36% in Sep’21 and 2.24% in Jun’22

Executive Summary H1 FY23

Profitable operations

PAT ₹ 1,153 Cr,  77% YoY

Market Share (FY23)*

Cards in force 19.1% (FY22 18.7%), Spends 18.0% (FY22 19.2%), Transactions 18.3% (FY22 19.8%)

Portfolio

 18% YoY in cards,  59% YoY in spends,  41% YoY in receivables

PAT 1,153

 77%

CAR 23.2%

Figures in ₹ Cr

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ROAA 6.1%

ROAE 27.4%

 141 bps

 801 bps

Receivables 37,730

NNPA 0.78%

 13 bps

 187 bps

 41%

Asset Quality

GNPA @ 2.14%, NNPA @ 0.78%

I ,---------------------------------------------

Liquidity

Diversified borrowings mix, sufficient unutilized banking limits available. LCR @ 82% against stat. norm of 60%

*As per RBI report available till Sep’22

Cards in Force 1.48 Cr

 18%

Spends 121,977

 59%

'---------------------------------------------------------------------------------✓ /  Represents YoY growth over H1 FY22

/  Represents QoQ growth over Q1 FY22

Key Trends

New Accounts (‘000)

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Corporate Spends (₹ Cr)

12,980

12,263

14,183

11,411

953

1,008

1,002

902

1,295

8,491

Q2 FY22

Q3 FY22

Q4 FY22

Q1 FY23

Q2 FY23

Q2 FY22

Q3 FY22

Q4 FY22

Q1 FY23

Q2 FY23

Retail Spends (₹ Cr)

35,070

42,417

41,872

45,488

50,895

Receivables (₹ Cr)

Transactor

■

Revolver

■

EMI

■

RBI RE

■

26,741 4%

32% 27% 37%

29,129

31,281

33,215

37,730

33% 27% 38%

34% 25% 40%

35% 26% 38%

35% 24% 41%

Sep'21

Dec'21

Mar'22

Jun'22

Sep'22

Q2 FY22

Q3 FY22

Q4 FY22

Q1 FY23

Q2 FY23

IEA

59%

60%

59%

~ - - - ~ - - -

I I

61%

59%

IEA, Interest earning assets = EMI + Revolver

Market Share

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Dominant credit card player in India

Cards in force

Spends

Transactions

18.3%

19.1%

18.7%

19.1%

17.9%

19.4%

19.2%

18.0%

17.7%

19.7%

19.8%

18.3%

FY20

FY21

FY22

FY23 *

FY20

FY21

FY22

FY23 *

FY20

FY21

FY22

FY23*

*As per RBI report available till Sep’22

New Accounts and Cards-in-force

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New Accounts (‘000)

Cards-in-force (‘000)

953

902

1,295

Q2 FY22

Q1 FY23

Q2 FY23

Channel wise Split

52.2%

47.8%

67.8%

62.9%

32.2%

37.1%

Q2 FY22

Q1 FY23

Q2 FY23

SBI

■

Open Market

■

12,580

14,316

14,828

Q2 FY22

Q1 FY23

Q2 FY23

Channel wise Split

57.0%

57.8%

59.3%

43.0%

42.2%

40.7%

Q2 FY22

Q1 FY23

Q2 FY23

SBI

■

Open Market

■

Portfolio Growth

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Spends (₹ Cr)

59,671

62,306

43,560

Receivables (₹ Cr)

26,741

33,215

37,730

Q2 FY22

Q1 FY23

Q2 FY23

Q2 FY22

Q1 FY23

Q2 FY23

Spend per Avg Card (₹ ‘000)

142

114

170

130

171

140

Q2 FY22

Q1 FY23

Q2 FY23

Ret+Corp

■

Ret

■

30 day spend active rate %

50%

Q2 FY22

Q1 FY23

Q2 FY23

Receivable per Card (₹)

21,257

23,202

25,445

Q2 FY22

Q1 FY23

Q2 FY23

Receivable Mix %

0% 35%

32% 27%

37%

26%

- - -

Q1 FY23

Q2 FY22

Q2 FY23

Revolver

EMI

38%

24%

41%

■

RBI RE

■

Transactor

■

Portfolio Insights

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Occupation

Salaried Category

Age Profile

By City Tier

30%

40%

30%

70%

30%

37%

16%

47%

21%

30%

19%

Salaried

■

Self Employed

■

Govt/PSU

■

Cat A

■

Cat B

■

Under 30

■

31-45

■

>45

■

Tier 1

■

Tier 2

■

Tier 3

■

Others

■

1.20

17%

1.04

34%

0.71

39%

0.83

26%

21%

1.17

1.06

1.08

14%

19%

43%

0.99

83%

0.97

28%

1.06

53%

1.01

24%

0.94

Salaried

■

Self Employed

■

Govt/PSU

■

Cat A

■

Cat B

■

Under 30

■

31-45

■

>45

■

Tier 1

■

Tier 2

■

Tier 3

■

Others

■

g n i c r u o S w e N

3 2 Y F 2 Q r o F

e c r o F - n

- s d r a C

2 2 0 2 p e S h t 0 3 n o s A

Self employed new sourcing primarily from SBI Sourcing

Indexed 30+ delinquency

Retail Spends Insights

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Online Spend %

Spends Categories

Total Spends

POS Spends

Online Spends

% Growth^

44.9%

44.2%

51.9%

54.4%

57.8%

FY19

FY20

FY21

FY22

H1 FY23

Category 1 Departmental Stores, Health, Utilities, Education & Direct Marketing

Category 2 Consumer durables, Furnishing & Hardware

11%

13%

10%

39%

Category 3 Apparel & Jewelry

45%

212%

Category 4 Travel Agents, Hotels, Airline, Railways, Entertainment & Restaurant

^ Q2 FY23 Over Q2 FY22 | Category analysis excludes Fuel & Automotive Service category

Financial Results

Q2 FY22 Q1 FY23 Q2 FY23

QoQ

YoY

H1 FY22

H1 FY23

Total Revenue Finance Costs Operating Costs Earnings before Credit Costs Credit Costs# PBT Cost to Income Gross NPA Net NPA ROAA ROAE EPS ₹ (Basic)

2,696 254 1,383 1,058 594 464 56.7% 3.36% 0.91% 4.9% 20.1% 3.67

3,263 308 1,663 1,291 450 841 56.3% 2.24% 0.79% 7.0% 30.8% 6.65

3,453 368 1,834 1,252 546 706 59.4% 2.14% 0.78% 5.4% 24.1% 5.57

6% 19% 10% -3% 21% -16% 314bps -10bps -1bps -165bps -671bps -16%

28% 45% 33% 18% -8% 52% 277bps -122bps -13bps 41bps 404bps 52%

5,146 483 2,550 2,114 1,239 874 54.7% 3.36% 0.91% 4.7% 19.4% 6.91

6,716 676 3,497 2,543 996 1,547 57.9% 2.14% 0.78% 6.1% 27.4% 12.22

YoY

31% 40% 37% 20% -20% 77% 323bps -122bps -13bps 141bps 801bps 77%

Figures in ₹ Cr

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PAT

627

526

650

345

1,153

Q2 FY22 Q1 FY23 Q2 FY23 H1 FY22 H1 FY23

# Credit costs include impairment losses on other assets and net loss on derecognition of financial instruments under amortized category

Explaining Returns

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Interest Income Fees and other Income Recoveries Total Revenue Finance Costs Operating Costs Earnings before Credit Costs Credit Costs PBT Taxes ROAA Avg Assets/Avg Equity ROAE

Q2 FY22 16.8% 20.1% 1.7% 38.7% 3.6% 19.8% 15.2% 8.5% 6.7% 1.7% 4.9% 4.1 20.1%

Q1 FY23 15.5% 19.3% 1.7% 36.5% 3.5% 18.6% 14.4% 5.0% 9.4% 2.4% 7.0% 4.4 30.8%

Q2 FY23 15.1% 18.7% 1.4% 35.2% 3.8% 18.7% 12.8% 5.6% 7.2% 1.8% 5.4% 4.5 24.1%

QoQ -38bps -65bps -26bps -128bps 30bps 10bps -168bps 53bps -221bps -56bps -165bps - -671bps

YoY -169bps -146bps -30bps -344bps 11bps -114bps -241bps -295bps 54bps 13bps 41bps

404bps

H1 FY22 16.9% 18.9% 1.5% 37.3% 3.5% 18.5% 15.3% 9.0% 6.3% 1.6% 4.7% 4.1 19.4%

H1 FY23 15.2% 18.9% 1.5% 35.6% 3.6% 18.6% 13.5% 5.3% 8.2% 2.1% 6.1% 4.5 27.4%

YoY -163bps -6bps 2bps -167bps 9bps 8bps -183bps -370bps 187bps 46bps 141bps

800bps

Revenue

Figures in ₹ Cr

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Q2 FY22 Q1 FY23 Q2 FY23

QoQ YoY

H1 FY22 H1 FY23

Revenue from Operations

Other Income

Total Revenue

Finance Costs

Net Revenue

2,576

119

3,100

163

3,297

156

2,696

3,263

3,453

254

308

368

2,441

2,954

3,086

-4%

19%

28%

31%

28%

45%

26%

4,938

208

6,397

319

5,146

6,716

483

676

4,663

6,040

YoY

30%

53%

31%

40%

30%

Interest Income Yield# Cost of Funds* Net Interest Margin

18.0% 5.5% 14.1%

17.1% 5.1% 13.2%

16.4% -68 bps -166 bps -7 bps 33 bps 12.3% -96 bps -184 bps

5.4%

18.1% 5.3% 14.3%

16.6% -150 bps -3 bps 12.6% -166 bps

5.3%

·· ............................... ..

# Interest Income yield is based on interest income from card holders (excluding Interest income on investments, deposits & others).

*Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings.

Composition Revenue from operations

Q2 FY22

Q1 FY23

Q2 FY23

23%

24%

21%

46%

45%

21%

45%

27%

26%

• •

Interest Income Spend based

• •

Subscription based Instance based & other

Borrowings & Capital Adequacy

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Cost of funds

Leverage

5.5%

Q2 FY21

5.1%

Q1 FY23

5.4%

Q2 FY23

Borrowing Composition

Sep’21

Jun’22 2%

34%

60%

32%

61%

Sep’22

30%

63%

Bank Lines

■

Commercial Papers

■

NCD

■

Term Loan

Credit Ratings :

▪

Short Term : A1+ by CRISIL & ICRA

Long Term : AAA/Stable by CRISIL & ICRA

Leverage = Liabilities / Tier 1 Equity Finance costs includes interest on lease. Cost of funds is calculated by adding lease liabilities, included in other liabilities, to borrowings.

3.8

Sep'21

25.0%

3.2%

21.8%

Sep'21

3.9

Jun'22

4.2

Sep'22

Capital Adequacy Ratio

Tier - I

■

Tier - II

■

24.7%

3.2%

21.5%

Jun'22

23.2%

2.9%

20.2%

Sep'22

Liquidity Coverage Ratio

74%

84%

60%

82%

60%

50%

LCR%

Sep'21

Jun'22

Sep'22

Statutory requirement

Structural Liquidity (ALM)

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Asset Liability Maturity Profile – Sep’22

Inflows

■

Outflows

■

10,152

5,140

3,137

6,332

6,046

5,790

6,013

3,823

3,860

3,288

1,776

6,439

4,347

15-30/31 D

1-2M

2-3M

3-6M

6-12 M

1y-3y

2,049

780

433

-· I

3y-5y

>5 yr

5,998

3,871

2,426

I I.

1,460

8-14 D

1-7 D

Cumulative mismatches

3,572

5,983

7,986

7,700

5,733

8,458

10,542

8,450

8,102

(0)

• Well matched ALM •

5,639 Cr (23%) of sanctioned bank lines unutilized and available for draw down as at Sep22

Operating Costs

Employee Cost

Depreciation

Fees and commission expense

Other operating expenses

Operating Costs

Q2 FY22 Q1 FY23 Q2 FY23 139

115

129

232

997

1,383

331

1,155

1,663

289

1,377

1,834

QoQ -7%

-1%

-13%

19%

10%

YoY 12%

-3%

25%

38%

33%

H1 FY22 H1 FY23

231

410

1,836

2,550

268

620

2,532

3,497

YoY 16%

51%

38%

37%

Figures in ₹ Cr

OSBl card

Operating Leverage

(6)%

- -

10%

QoQ Vs. Q1 FY23

26%

33%

YoY Vs. Q2 FY22

Cost to Income %

56.7%

56.3%

59.4%

314 bps

277 bps

54.7%

57.9%

323 bps

■

Net revenue growth

Opex growth

■

Asset Quality

Q2 FY22 Q1 FY23

Q2 FY23

QoQ

YoY H1 FY22 H1 FY23

YoY

Impairment and losses -20% - ----~------------------------s:--------+--------------------------- -20% Gross Credit Costs

1,237

1,239

22%

21%

-8%

593

994

546

448

450

546

594

996

Recoveries

(118)

(148)

(137)

-7%

16%

(206)

(284)

38%

Net Credit Costs

Gross Credit Cost % Net Credit Cost % ECL % GNPA NNPA PCR

♦ -----

5.0%

475

9.3% 7.4% 5.0% 3.36% 0.91% 73.7%

300

5.6% 3.7% 3.4% 2.24% 0.79% 65.1%

ECL Provisions

410

36%

-14%

6.2% 61 bps 90 bps 4.6% 3.3% -16 bps 2.14% -10 bps -1 bp 0.78% 64.0% -113 bps

-312 bps -281 bps -178 bps -122 bps -13 bps -967 bps

1,033

9.7% 8.1% 5.0% 3.36% 0.91% 73.7%

710

-31%

5.8% -391 bps 4.2% -396 bps 3.3% -178 bps 2.14% -122 bps -13 bps 0.78% 64.0% -967 bps

4.0%

--------+--------------♦--------------♦--------------♦ 3.3%

3.5%

3.4%

Sep'21

Dec'21

Mar'22

Jun'22

Sep'22

# Credit costs include impairment losses on other assets and net loss on derecognition of financial instruments under amortized category

Figures in ₹ Cr

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Stage Wise Receivables

26,741

33,215

3.4%

11.2%

85.4%

2.2% 8.3%

89.5%

Q2 FY22

Stage 1

■

Q1 FY23 Stage 2

■

37,730 2.1%

7.4%

90.5%

Q2 FY23

Stage 3

■

Stage Wise ECL Provisions

1,347

1,136

73.7%

11.0% 1.6%

- ■

Q2 FY22

Stage 1

65.1% 5.8% 1.7%

-■

Q1 FY23 Stage 2

1,230

64.0% 5.2% 1.7%

Q2 FY23

Stage 3

■

Our ESG Efforts

ENVIRONMENTAL

Climate Change

3.9 Lac+ Trees Saved (From FY’18 to Q1’23) Through paperless communication with customers

FY’18

FY’19

FY’20

FY’21

FY’22

FY'23 till Sep

29,381

39,664

55,434

69,747

119,718

74,805

Solar PV Plant A CSR initiative to provide 450 kWp Grid tied Solar PV plant in Civil Hospital and Government College for Girls in Gurugram, Haryana

World Water Week Organized a Yuva Jagruti Shivir on 26th August 2022 at Pathkhori, Nuh, Haryana to spread awareness on water conservation

Waste Reduction & Energy Consumption Discontinued pet water bottles in office premises to reduce waste & protect environment

More energy consumption reduction measures like installation of energy efficient ductable units in Delhi/ NCR office and replaced old inefficient UPS batteries with new energy efficient ones.

SOCIAL

Employee Engagement & Welfare

Launched Telemedicine app for employees & their family members offering free medical consultations

For Communities

Enabled Lives through Mobility Distributed practical mobility options to 154 beneficiaries In Gurugram office

Skill Development for Healthcare Job Roles Project undertaken to train 360 youth for 3 healthcare job roles in residential modes (Gurugram & Guwahati)

Disaster Management Project to distribute 3500 relief kits in Telangana’s flood affected areas, containing basic grocery & household essentials for a month

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lfJ

GOVERNANCE

Data Privacy & Security 2 drills of Cyber Simulation exercise for senior management and key stakeholders; as a continued effort to improve SBI Card’s strength as cyber resilient organization.

Business Ethics, Anti-corruption & Bribery

100% coverage Annual refresher on improper payments for employees

Responsible Digitalization Complying Regulatory Guidelines Accomplished Key Changes required per RBI Master Direction Compliance on Debit & Credit card Issuance & Conduct 2022 as per advised timelines

Complete Applications migration to new Data Center for improved security

Shareholders Summary

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Shareholding pattern, 30th September 2022

Top 20 Shareholders as on 30th September 2022

Insurance 4.50%

Others 1.46%

Resident Individuals 4.11%

MF 11.70%

FPI 8.82%

S. No 1

16 17

Name of Shareholder

State Bank Of India

Life Insurance Corporation Of India

Life Insurance Corporation Of India - P & Gs Fund

Government Pension Fund Global

Mirae Asset Large Cap Fund

Icici Prudential Life Insurance Company Limited

Icici Prudential Long Term Equity Fund Tax Savings

Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund

Vanguard Total International Stock Index Fund Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds

Mirae Asset Emerging Bluechip Fund

Hdfc Trustee Company Limited-Hdfc Flexi Cap Fund

Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund

Icici Prudential Value Discovery Fund

Mirae Asset Focused Fund

Abu Dhabi Investment Authority - Monsoon Motilal Oswal Flexi Cap Fund

Pioneer Investment Fund

Hdfc Trustee Company Limited - Hdfc Tax Saverfund

Nippon Life India Trustee Ltd-A/C Nippon India Focused Equity Fund

% 69.18

1.74

1.69

0.90

0.65

0.50

0.43

0.42

0.40

0.38

0.37

0.36

0.31 0.29

0.29

0.28

Promoter Group SBI & Subs. 69.41% (SBI – 69.18%)

Annexures

OSBI Card

P&L Summary

Q2 FY22 1,173 1,244 36

Q1 FY23 1,387 1,538 35

.................... Q2 FY23 1,484 1,611 39

121

2 0 2,576 119 2,695 254 232

594 115

997 2,231 464 345

140

1 - 3,100 163 3,263 308 331

450 139

1,155 2,422 841 627

. .

162

1 - 3,297 156 3,453 368 289

546 129

1,377 2,748 706 526

QoQ 7% 5% 13%

16%

-10% *n.c. 6% -4% 6% 19% -13%

*n.c.

21% -7%

-1%

19% 13% -16% -16%

P&L

Interest Income Fees and commission income Sale of Services Business development incentive income Insurance commission income Net gain on fair value changes Total Revenue from operations Total Other Income Total Income/Revenue

Finance costs Fees and commission expense Net loss on derecognition of financial instruments under amortized cost category Impairment on Financial Instruments Employee benefits & Expenses Depreciation, amortisation & impairment Operating & Other expenses

Total expenses Profit before tax Profit after tax

* n.c. denotes not comparable

Figures in ₹ Cr

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YoY 27% 29% 9%

34%

-55% *n.c. 28% 31% 28% 45% 25%

*n.c.

-8% 12%

-3%

38% 23% 52% 52%

H1FY22 2,327 2,343 60

H1FY23 2,872 3,149 74

206

3 1 4,938 208 5,146 483 410

1,237 231

1,836 4,272 874 650

302

1 - 6,397 319 6,716 676 620

996 268

2,532 5,170 1,547 1,153

YoY 23% 34% 24%

47%

-45% *n.c. 30% 53% 31% 40% 51%

*n.c.

-19% 16%

38% 21% 77% 77%

Balance Sheet Summary

Figures in ₹ Cr

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Balance Sheet Assets Loans (Net) Cash & Bank Balances Investments Other Financial Assets Total Financial Assets PP&E, Intangible & Right of use assets Deferred Tax Assets All other non-financial Assets Total non-financial Assets Total Assets

Liabilities and equity

Equity Share Capital Other Equity Total Equity Borrowings All other financial liabilities Total financial liabilities Provisions Other non-financial liabilities Total non-financial liabilities Total liabilities and equity

Mar’22

30,187 1,106 1,297 382 32,973 454 219 1,004 1,676 34,648

943 6,810 7,753 22,982 2,700 25,683 477 736 1,213 34,648

Sep’22

36,500 1,036 1,810 494 39,840 447 247 1,047 1,742 41,581

943 7,976 8,919 28,186 3,147 31,333 551 778 1,329 41,581

Recent Developments

Launch of CASHBACK SBI Card

The card offers 5% Cashback on all online spends without any merchant restrictions and 1% Cashback on offline spends.

CASHBACK SBI Card launched through TV and Digital Advertising, along with PR activity.

For Digital Launch, popular celebrities/ social media influencers were leveraged as part of the #NotAHack campaign.

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SBI Card SPRINT Advertisement

Advertised SBI Card SPRINT (STP), our new fully- digital application process in July 2022.

The ad highlighted the convenience & speed of the new application process and how applicants could now get the credit cards instantly on their phones.

Jacket ads in TOI, HT & other regional English Dailies were deployed, along with Masthead integration innovation with TOI.

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SBI Card Wins its 14th Reader's Digest Trusted Brand Award

SBI Card has been recognised as ‘Reader's Digest Trusted Brand’ in the Credit Card Category for the year 2022.

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AURUM OOH at Delhi Airport

High impact outdoor site at Delhi Airport (T3) to drive salience and premium imagery for AURUM. 60-day Campaign started mid- Aug.

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Glossary

Term

Description

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New Accounts

Sum of all accounts opened in a reporting period.

Card-in-force

Spends

Receivables

Sum of all credit cards issued by us, including suspended credit cards that may be reactivated in future, net of cancelled and deactivated credit cards.

Total card spends constitutes the aggregate notional amounts transacted by our cardholders in a reporting period.

Total credit card receivables outstanding from our cardholders at end of the reporting period.

Market share – CIF

Market share of total cards outstanding is calculated by dividing our total cards outstanding by the industry-wide total cards outstanding, as obtained from data published by the RBI.

Market share – Spends

Market share of total card spends is calculated by dividing our total card spends by the industry-wide total card spends, as published by the RBI, for the reporting period.

Averages

2-point average for quarter and 5-point for yearly calculations

Spends per card

Average card spends per cards outstanding is calculated by dividing our total card spends by the average total cards outstanding for the period (annualized)

Average loans per cards

Average loans per cards outstanding is calculated as total loans at the end of the reporting period divided by total cards at the end of the reporting period.

Yield %

COF %

Calculated as interest income from cardholders divided by average receivables for the period (annualized)

Calculated as total finance costs for the period divided by average borrowings (including lease liabilities) for the period (annualized)

Cost to Income %

We calculate our cost to income ratio as operating and other expenses divided by total income after subtracting Finance cost.

ROAA

ROAE

EPS

Calculated as net profit divided by average total assets for the period (annualized)

Calculated as net profit divided by the average shareholders’ equity for the period (annualized)

Earning per share is for the period and not annualized

Shareholders’ equity

Shareholders’ equity is defined as sum of share capital, reserves and surplus excluding reserves created out of amalgamation

Disclaimer

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The information contained in this presentation is for information purposes only and does not constitute an offer or invitation to sell or purchase any securities of SBI Cards and Payment Services Limited in India or in any other jurisdiction. This presentation is not intended to be a prospectus or an offer document under any applicable law.

This presentation may contain certain forward looking statements which have purely been made basis Management’s expectations, assumptions and estimates, known or unknown risks. Such statement typically contain the terms / phrases (including but not limited to) “will”, “believe”, “aim”, “may”, “would”, “expect”, “would /may result”, “goal”, “strategy”, “anticipate”, “intend”, “seek”, “plan”, “objective”, “contemplate”, “project”, “anticipate”, etc., These statements are neither factual nor based nor do they constitute any historical information about the Company and are subject to change / uncertainties in future. The actual financial or other results may materially differ from such statements and the investors are advised not to make any decisions merely on these. The Management is further not expected to update these in future as and when there is a change impacting such estimates / possibilities.

The recipients should carry their own due diligence in respect of the information contained in the presentation.

This presentation is strictly confidential and is intended only for the exclusive use of the recipients thereof, subject to the provision state herein, and may not be disclosed, reproduced, retransmitted, summarized, distributed or furnished, in whole or in part, to any other person.

This presentation should not form basis or be relied upon in any connection with any contract or commitment whatsoever.

Figures for previous period/year have been regrouped or recategorized wherever necessary to conform to the current period’s/year’s presentation. Totals in some columns/rows/graphs may not agree due to rounding-offs.

Thank You

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