SBICARDNSE27 October 2023

Sbi Cards And Payment Services Limited has informed the Exchange about Investor Presentation

SBI Cards and Payment Services Limited

October 27, 2023

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, 2023.

Kindly take the same on record.

Thanking you,

Yours faithfully,

For SBI Cards and Payment Services Limited

Payal Mittal Chhabra Company Secretary & Compliance Officer Date & Time of event: - October 27, 2023 at 6:04 PM

Encl: .aa

SBI Cards and Payment Services Ltd.

DLF Infinity Towers, Tower C,

Te l.: 0124-4589803

Registered Office:

12th Floor, Block 2, Building 3,

Email: customerca re@sbicard .com

Unit 401 & 402, 4th Floor, Aggarwa l Millennium Tower,

DLF Cyber City, Gurugram - 122002,

Website: sbicard.com

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

Haryana, India

CIN - L65999DL 1998PLC093849

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INVESTOR PRESENTATION

Q2 – FY24

25~1- ENfi:'BLING EVERYDAY MOMENTS OF JOY.

nse1~ard

nsoicard

II)) s..,,,p. U(( 1 •ll} S.~,MVE

• 4l1l lll23 4Sb 7 8901 ,sb 7 8901 11/.u QI',; U,;. V/SA ~ ~1 RuPayi ,,.,,~v ..

INDEX

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Key Highlights

Portfolio Growth

Financial Update

Asset Quality

Borrowings & Capital Adequacy

ESG

Shareholders Summary

Annexures

Key Highlights

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Key Highlights for Q2 FY24

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Consistent Performance delivering Profitable Growth

s s s s e e n n i i s s u u B B

s s e e m m u u o o V V

l l

New A/cs

11.42 lacs  12% YoY  4% QoQ

CIF

1.79 Cr  21% YoY  3% QoQ

Spends

₹ 37,730 Cr+ ₹ 79,164 Cr Receivables  27% YoY  41% YoY  7% QoQ

Receivables

₹ 45,078 Cr

 19% YoY  4% QoQ

t i l i

y t i l i

b a t i f o r P

PAT

₹ 603 Cr  15% YoY  2% QoQ

Cost to Income

57.1%  232 bps YoY  71 bps QoQ

ROAA

4.9%  45 bps YoY  17 bps QoQ

ROAE

22.3%  181 bps YoY  96 bps QoQ

e c n a a B

t e e h S

GNPA

2.43%

 29 bps YoY  2 bps QoQ

NNPA

0.89%  11 bps YoY  0 bps QoQ

CAR

23.3%  15 bps YoY  39 bps QoQ

LCR

85% (Stat. Req. 70%)

Portfolio Growth

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Key Business Metrics

New Accounts (Lacs)

12% YOY 4% QOQ

,,,-

12.95

16.34

13.71

10.97

11.42

Cards-in-force (Cr)

. ', •

21% YOY 3% QOQ

1.79

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Receivables (₹ Cr)

19% YOY 4% QOQ

43,271

45,078

37,730

I I I I I I ✓

1.73

1.48

' '

Q2 FY23

Q3 FY23

Q4 FY23 ---------------------------------------------------------- Retail Spends (₹ Cr) ;-------------------------------------------------- . ------, ✓ I ~ I

21% YOY 5% QOQ

Q1 FY24

Q2 FY24

;

50,895

54,562

55,520

58,347

A 61,446

Sep'22

Jun'23

Sep'23

Sep'22

Jun'23

Sep'23

'---------------------------~

✓

'-------------------------------'

Key Insights:

Q2 FY23

Q3 FY23

Q4 FY23 ---------------------------------------------------------- Corporate Spends (₹ Cr) ----------------------------------------------------------

Q1 FY24

Q2 FY24

I ✓

;

' \

▪ Gross addition at 11.4 lacs consistent to PQ

▪ Continuing growth in Retail & Corporate spends (~ 22% of

overall spends) and Receivables.

55% YOY 14% QOQ

•

A 17,718

14,273

16,166

15,565

11,411

, __________________________________________________________ ; Q4 FY23

Q2 FY23

Q3 FY23

Q2 FY24

Q1 FY24

▪

IBNEA stable at 62%.

I / ✓

I I

' '

✓; I

I I I I I I '

Portfolio Growth

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• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •••••♦

♦•••• • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • • •••••♦•

Spend per Avg Card (₹ ‘000)

171

140

179

142

176

136

173

137

180

140

Receivable per Card (₹)

25,445

24,318

24,293

24,949

25,220

Q2 FY23

Q3 FY23

Q4 FY23

Q1 FY24

Q2 FY24

Q2 FY23

Q3 FY23

Q4 FY23

Q1 FY24

Q2 FY24

■

Ret+Corp

■

Ret

Receivables(₹ Cr)/Mix %

30 day Retail spend active rate %

37,730

38,626

40,722

50%

51%

50%

Q2 FY23

Q3 FY23

Q4 FY23

Q1 FY24

Q2 FY24

. ~ .......................................................................................................

59%

35%

24%

41%

37%

24%

39%

37%

24%

39%

62%

38%

24%

38%

43,271 Interest Earning Receivables

45,078

,, ,,

11 11 11 11 \ I

62%

38%

24%

38%

Q2 FY23

Q3 FY23

Q4 FY23

Q1 FY24

Q2 FY24

. . Revolver •······· ........................................................................................... ·······

Transactor

EMI

■

Continued momentum on spends and receivables growth

Retail Spends Insights

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Online Spend %

Spends Categories

Total Spends

% Growth^ POS Spends Online Spends

57%

54%

55%

52%

FY21

FY22

FY23

Q1FY24

Q2FY24

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

Category 2 Consumer durables, Furnishing & Hardware, Apparel & Jewelry

Category 3 Travel Agents, Hotels, Airline, Railways, Entertainment & Restaurant

29%

24%

30%

24%

44%

26%

17%

34%

^ H1 FY24 Over H1 FY23 | Category analysis excludes Fuel & Automotive Service category. Online Festive Sale for H1’23 started in Sep’22 while for FY24 same was in Oct’23

UPI Spends Insights

UPI penetration*

Rs.950

Average Ticket Size

Rs.11K

Average UPI Spends/Account/month

*Active UPI users on RuPay Card Base as of Sep’23

Top 5 Categories for UPI Spends : Depart. Stores & Grocery | Utilities | Restaurants | Cons. Durables | Fuel

Financial Update

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Key Financials

Revenue from operations ,,-------------------- ----

3,297

3,507

3,762

3,912

4,087

PAT Trend

-- 24% YOY 4% QOQ

' \

I I I I I

All figures are in ₹ Cr.

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15% YOY 2% QOQ

4% YOY

1,153

1,196

Q4 FY23

Q3 FY23

Q2 FY23

'-----------------------------------------------------------; Interest Cost -----------------------------------------------------------, ~ I I

64% YOY 6% QOQ

507

605

464

571

(

Q1 FY24

Q2 FY24

368

Q2 FY23

Q3 FY23

'-----------------------------------------------------------' Operating Cost

Q2 FY24

Q1 FY24

Q4 FY23

(,----------------------------

1,834

1,974

1,980

1,960

2,066

A A

13% YOY 5% QOQ

Q2 FY23

Q3 FY23

' ----------------------------------------------------------- Credit Cost (,----------------------------

Q2 FY24

Q1 FY24

Q4 FY23

546

533

630

719

742

36% YOY 3% QOQ

Q2 FY23

' -----------------------------------------------------------

Q2 FY24

Q1 FY24

Q4 FY23

Q3 FY23

I I I

',.

I I I I

;

',.

I I I I I I I

;

526

593

603

Q2 FY23

Q1 FY24

Q2 FY24

'----------------------------------- Key Insights:

H1 FY23

H1 FY24

▪ Consistent Performance delivering Profitable Growth.

▪ COF is stable @ 7.1% vs PQ, NIM lower due to lower yield on a/c

of Product Mix.

▪ Cost to income marginally higher due to cashback costs on

campaigns in August.

▪ Gross credit cost contained at 6.7% with focused collections and

portfolio actions.

P&L Summary

Q2 FY24 Q1 FY24

QoQ

Total Income

-Revenue from Operations

-Interest Income

-Fees & Other Revenue

-Other Income

4,221

4,087

1,902

2,186

134

4,046

3,912

1,804

2,108

134

-0%

YoY

22%

24%

28%

21%

-14%

H1 FY24

8,267

7,999

3,706

4,293

268

YoY

23%

25%

29%

22%

-16%

Interest Cost - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Operating Cost ' - - - - - - - - - - - - -= - - - - - - - - - - - - - - - - - - - - - -=I ....._ ___________ ....

2,066

1,960

4,025

64%

15%

13%

11 11

74%

571

605

1,176

Earning Before Credit Cost

1,551

1,515

Impairment on Financial

Instruments

PBT

742

809

719

797

24%

36%

15%

11 11

3,066

1,460

1,606

21%

47%

PAT Key Metrics r--------------------------------------------~

15%

1,196

603

593

16.8% 16.9%

-14 bps

41 bps

28 bps

16.9%

Yield

COF

NIM

7.1%

2 bps

165 bps

11.3% 11.5%

-12 bps

-92 bps

Cost to Income%

57.1% 56.4%

71 bps

-232 bps

Credit Cost

6.7%

6.8%

-13 bps

56 bps

7.1%

11.4%

56.8%

6.8%

184 bps

-122 bps

-114 bps

95 bps

ROA

---------------------------------------------'

-17 bps

-45 bps

-112 bps

5.0%

4.9%

5.1%

I I I I I I I I I I

I I I I I I I

All figures are in ₹ Cr.

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Revenue from operations(₹ Cr) (Composition Mix %)

3,297

3,912

4,087

7% 21%

26%

45%

7% 21%

26%

46%

7% 21%

26%

47%

Q2 FY23 Interest Income

■

Q1 FY24

Q2 FY24

■

Spend Based

■

Instance Based & Others

■

Subscription Based

Asset Quality

.e.;

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Asset Quality

Q2 FY24 Q1 FY24

QoQ

YoY

H1 FY24

YoY

Gross Credit Cost *

-Gross Write off

-Provision

Recoveries

742

678

718

622

36%

50%

-34%

-32%

1,460

1,299

161

47%

51%

18%

(132)

(116)

14%

-4%

(247)

-13%

603 Net Credit Cost L----------------L------------------------' L __________ J r----------------r------------------------, r----------,

1,213

71%

49%

610

6.7%

6.8%

-13 bps

56 bps

6.8%

95 bps

Gross Credit Cost %

Net Credit Cost %

5.5%

5.7%

-22 bps

90 bps

5.6%

147 bps

PCR %

ECL %

GNPA %

NNPA %

64.1%

63.8%

26 bps

9 bps

64.1%

9 bps

3.4%

1 bps

11 bps

3.4%

11 bps

2.43%

2.41%

2 bps

29 bps

2.43%

29 bps

0.89%

0 bps

11 bps

0.89%

11 bps

Gross credit costs marginally lower driven by concerted collection efforts & portfolio actions.

* Excludes impairment on other financial assets

All figures are in ₹ Cr.

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Receivables (₹ Cr) (Composition Mix %)

37,730

43,271

45,078

2% 7%

90%

2% 5%

92%

2% 6%

92%

Q2 FY23

■

Stage 1

Q1 FY24 Stage 2 ■

Q2 FY24 Stage 3

■

Provision(₹ Cr) (% of NEA)

1,230 64.0%

1,457 63.8%

1,521 64.1%

5.2% 1.7% Q2 FY23

4.8% 1.7% Q1 FY24

4.7% 1.7% Q2 FY24

■

Stage 1

■

Stage 2

■

Stage 3

Portfolio Insights

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········· ............................................................................................................................................................................................................................... ······· . .. ..

New Accounts

Salaried Category

Age Profile

48%

49%

28%

17%

35%

22%

By City Tier

. . . ~ . . .

27%

•

~ ~

. . / . . . . •

g n c r u o S w e N

4 2 Y F 2 Q r o F

51%

■

SBI

■

Open Market

1.07

58%

3 2

p e S 0 3

42%

0.80

e c r o F

- n

- s d r a C

n o s A

24%

48%

33%

18%

■

Govt/PSU Salaried 59%; Self employed 41%

Cat A

■

Cat B

■

Under 30

■

31-45

■

>45

■

Tier 1

0.97

37%

0.79

24%

0.71 35%

1.21

22%

1.07

16%

■

Tier 2

■

Tier 3

■

Others

39%

0.99

23%

1.02

•.

~ . . . ' ' / ••·········· ............................................................................................................................................................................................................................... ·······•••

Govt/PSU Salaried 79%; Self employed 21%

Indexed 30+ delinquency

Open Market

Under 30

Others

31-45

Tier 2

Tier 3

Tier 1

Cat A

Cat B

1.13

0.96

>45

SBI

■

. . : .. :

27%

23%

1.01

54%

Borrowings & Capital Adequacy

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Borrowings & Capital Adequacy

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;

I I I

Borrowings Mix ,-----------------------------------------------------------, '

13%

12%

Capital Adequacy

30% 4%

62%

30% 2%

65%

26%

65%

24%

63%

23%

65%

CAR

Tier 1

23.2%

23.3% .a~-------------<s)l--------------:s,c 20.6% 20.2%

23.1%

20.4%

22.9%

20.3%

23.3% _ o 20.8%

I Q4 FY23 I NCD ', __________________ ■ ______ ■ ___ · ---- ■ -------------------------'

Q2 FY24

Q1 FY24

Q2 FY23

Q3 FY23

WCDL

Q4 FY23 , ____________________________________________________________ ; I '

Q2 FY24

Q2 FY23

Q3 FY23

Q1 FY24

COF Trend

LCR

5.9%

6.4%

• ~ ---- ·

6.3%

5.4%

6.8%

6.7%

7.1%

7.2% • 7.1%

82%

85%

86%

85%

60%

70%

•

I \

Q3 FY23

Q2 FY23

Q1 FY24

COF % ~ -

Weighted Daily Average COF %

Q4 FY23 ,, ___________________________________________________________ , . ; ,. .... I I I I I

Credit Ratings ▪ , ________________________________________ ,. ▪ '

Short Term : A1+ by CRISIL & ICRA Long Term : AAA/Stable by CRISIL & ICRA CRISIL & ICRA

Q2 FY24

\ I I I I I

I I

Q1 FY24

Q2 FY23

Q3 FY23

Q4 FY23 ~ _.,_ , ___________________________________________________________ ; ', LCR % ,. I I I I I

• COF stabilizing in the range of 7.1% - 7.2%. , ________________________________________ ,. '

Stat. Requirement

Q2 FY24

,' ....

\ I I I I I

ESG

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ESG Q2 FY24 Update – Creating Value with ESG

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Environment

Social

Governance

5.72 Lac+ Trees Saved (From FY’18 to FY’24 (till Sep’23) Through paperless communication with customers

Energy Optimization Higher efficient mechanism introduced in Air Handling Units in Corporate Office; expected 90KwH savings annually.

New Programmes For Employees Welfare

Employee Awareness Programmes

• Webinar on Sound Healing for employees to

• Regular communication and trainings for all

enhance wellness

employees on Ethical Conduct

• Zumba Sessions in our main head office Gurugram

• Mandatory Annual training on Improper

(Haryana) every week to promote fitness

Payments for all employees

• Nutritionist Consultation inhouse for employees

• Risk awareness week celebrated sensitizing

twice a month to support and promote awareness on healthy diets

• A CSR initiative to establish 10 TPD Material Recovery Facility, 30 TPD Plastic Recycling Facility and 40 Aero-bin composters in Patiala with Indian Pollution Control Association for strengthening the waste management system

Healthcare initiative for Communities

• Project taken up with Sri Sathya Sai Health and Education Trust to set up Mother and Child Hospital at Raiwala (Uttarakhand) to address the mortality and morbidity rate of children

all employees on data protection

• Overview session of The Digital Personal Data Protection Act, 2023 (“DPDP Act”) conducted for the senior management team of SBI Card

Shareholders summary

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Shareholders Summary

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Shareholding Pattern, 30th September 2023

Top 20 Shareholders as on 30th September 2023

Insurance 5.02%

Others 1.12%

Resident Individuals 4.10%

MF 11.73%.

FPI 9.09%

S. No 1

State Bank Of India

Name of Shareholder

5 6

7 8

Life Insurance Corporation Of India - P & Gs Fund

Life Insurance Corporation Of India

Hdfc Trustee Company Limited-Hdfc Flexi Cap Fund

Mirae Asset Large Cap Fund Icici Prudential Long Term Equity Fund Tax Savings

Icici Prudential Life Insurance Company Limited Mirae Asset Emerging Bluechip Fund

Government Pension Fund Global

Mirae Asset Tax Saver Fund

Icici Prudential Value Discovery Fund

Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds Vanguard Total International Stock Index Fund

Icici Prudential Multi-Asset Fund

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

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

Mirae Asset Focused Fund

Kuwait Investment Authority Fund 225

Hdfc Trustee Company Limited - Hdfc Tax Saverfund

% 68.94

2.50

1.82

1.06

0.65 0.56

0.56 0.54

0.51

0.45

0.43

0.42

0.41

0.39

0.37

0.36

0.34

Promoter Group SBI & Subs. 68.94% (SBI – 68.94%)

Annexures

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Balance Sheet Statement

All figures are in ₹ Cr.

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Description Assets Loans (Net of Provisions) Cash & Bank Balances Investments All other Financial Assets Total Financial Assets PP&E, Intangible & Right of use assets Current & Deferred Tax 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’23

Sep’23

39,361 1,354 2,140 559 43,414 574 252 1,306 2,132 45,546

946 8,884 9,830 31,110 3,091 34,201 638 876 1,514 45,546

43,556 1,478 2,536 674 48,244 539 284 1,322 2,144 50,388

947 10,112 11,058 34,083 3,621 37,704 642 985 1,626 50,388

Profit & Loss Statement

P&L

Q2 FY23 Q1 FY24

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 fair value changes Impairment on Financial Instruments Employee benefits & Expenses

Depreciation, amortisation & impairment

Operating & Other expenses

Total expenses Profit before tax Profit after tax

1,484 1,611 39 162 1 - 3,297 156 3,453 368 289 - 546 129

1,377 2,748 706 526

1,804 1,898 39 170 1 0 3,912 134 4,046 571 393 - 719 145

1,374 3,250 797 593

All figures are in ₹ Cr.

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\ I

, , - - - - - - Q2 FY24 1,902 1,974 42 169 1 - 4,087 134 4,221 605 441 0 742 148

1,430 3,412 809 603 '-----✓

H1 FY23 2,872 3,149 74 302 1 - 6,397 319 6,716 676 620 - 996 268

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

H1 FY24 3,706 3,872 81 338 1 - 7,999 268 8,267 1,176 834 - 1,460 293

2,804 6,661 1,606 1,196

Explaining Returns

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Q2 FY24 Q1 FY24

QoQ

YoY

H1 FY24

YoY

Interest Income

15.5%

15.4%

3 bps

34 bps

15.5%

22 bps

Fees and other Income

17.8%

18.2% -40 bps

-88 bps

18.0% -89 bps

Recoveries

Total Revenue

Finance Costs

1.1%

1.0%

8 bps

-32 bps

1.0%

-48 bps

34.4%

34.6% -28 bps

-87 bps

34.5% -115 bps

4.9%

3 bps

117 bps

4.9%

132 bps

Operating Costs

16.8%

3 bps

-189 bps

16.8% -177 bps

Earnings before Credit Costs

12.6%

13.0% -35 bps

-14 bps

12.8% -70 bps

Credit Costs

6.0%

6.2%

-12 bps

47 bps

6.1%

80 bps

PBT

Taxes

ROAA

Avg Assets/Avg Equity

6.6%

6.8%

-23 bps

-61 bps

6.7% -151 bps

1.7%

4.9%

4.5

1.7%

-6 bps

-16 bps

1.7%

-38 bps

5.1%

-17 bps

-45 bps

5.0% -112 bps

4.6

ROAE

22.3%

23.3% -96 bps

-181 bps

22.8% -461 bps

Structural Liquidity (ALM)

Assets Liability Maturity Profile – Sep’23

All figures are in ₹ Cr.

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7,869

8,021

7,243

6,619

7,041

6,345

5,128

3,193

1,870

3,933

4,760

3,100

2,901

2,096

3,046

1,552

863

12,480

✓ Well Matched ALM ✓ ₹ 9,987 Cr (31%) of

sanctioned bank lines unutilized & available for draw down as of Sep’23

7,301

5,416

1-7 D

8-14 D

15-30/31 D

1-2M

2-3M

3-6M

6-12 M

1y-3y

3y-5y

>5 yr

Inflows

■

Outflows

■

Cumulative Mismatch

4,676

7,934

10,620

9,842

7,561

11,809

12,008

10,123

9,433

(0)

Product Brief

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Super Premium

Core Cards

Co-Brand Cards

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Market Share

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Dominant credit card player in India

CARDS IN FORCE

SPENDS

TRANSACTIONS

19.1%

18.7%

19.7%

19.2%

19.4%

19.2%

18.2%

17.9%

19.7%

19.8%

18.2%

17.2%

FY21

FY22

FY23

FY24*

FY21

FY22

FY23

FY24*

FY21

FY22

FY23

FY24*

*As per RBI report available till September’23

Recent Developments

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MAKING LIFE SIMPLE

Launch of Credit Card on UPI for SBI cards on RuPay Network

‘AURUM’ Product Features Enhancement

SBI Card, India’s largest pure-play credit card issuer, and National Payments Corporation of India (NPCI) have joined hands to allow linking of SBI Credit Cards on RuPay platform with UPI.

The functionality will further enhance user experience and allow seamless UPI payments with added benefits of credit cards.

To communicate this innovative payment solution more than 50 inserts in leading English and Regional News Dailies were planned. The campaign was further amplified with a widespread PR campaign and an influencer program with Rajkumar Rao and leading Social Media influencers.

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GETTING REWARDED?

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SBI Card unveiled new features on ‘AURUM’, ranging from new annual spends-based milestone and welcome benefits to additional international lounge benefits and golf privileges.

To communicate the enhanced benefits, a Press Note & extensive Advertorials on digital media platform was rolled out covering key media platforms and publications.

Further, AURUM Ad campaign was rolled out in Aug & Sep month covering key lifestyle, business & in-flight magazines for premium association: Fortune, Condé Nast Traveler, Club Vistara, Namaste.AI (Air India).

Hawk-Eye Branding in Asia Cup 2023

To leverage the popularity of Cricket, SBI Card partnered with ACC for the Asia Cup 2023.

In line with our philosophy of ‘Making Life Simple’, SBI Card branding was placed on all ‘Hawk-eye’ analyses and reviews (DRS - Decision Review System) aired during the tournament.

SBI Card branding featured more than 200 times during the tournament, giving us an airtime of 3,200+ seconds in total.

NAIM,PACERS TODAY ·~ 0 " . . . ,

Digitization Initiatives

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MOBILE APP REVAMP

•

The SBIC Mobile App is now

available with a fresh new

look of pre-login pages and

the homepage Account

summary dashboard with a

long scroll.

UPI RUPAY INTEGRATION

BBPS ON WHATSAPP

SBI CARD PAYMENT THROUGH SBI UNIPAY

•

SBI Rupay Cards can be linked

•

Now SBI Card Customers would

with Upi as a new payment

be able to pay utility bills, fees,

channel

and other payments directly

This is a fast-growing channel

through WhatsApp.

with a wider reach and customer

•

It enhances convenience,

ease.

security, and accessibility.

•

SBI card has been successfully

onboarded as a Merchant on

BBPS NPCI Network.

Now our customers will be able

to make the SBI Card payment

using BBPS through SBI Unipay.

PCI DSS CERTIFICATION

SBIC NETWORK PROXY MOVES TO CLOUD

ROBUST IT INFRASTRUCTURE:

•

SBI card is certified with PCI DSS

Certification.

This is a key step towards building advanced

security controls to protect cardholder data

and maintain a secure payment environment.

•

SBI Card’s on-premises Broadcom proxy solution has been

successfully migrated to cloud-based solution.

Cloud-based proxy solution provides enhanced support

with a seamless internet experience.

ESG Engagements – Q2 FY24

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Inauguration ceremony of 10 Tinkering Labs at Guwahati (Assam), by Education Advisor, Government of Assam.

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Flood Relief Work in Delhi, Uttar Pradesh, Haryana & Punjab through Akshaya Patra Foundation

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Best CSR Excellence Award in Healthcare 2nd Edition of Healthcare Summit and Awards by The Associated Chambers of Commerce and Industry of India (ASSOCHAM).

Silver Award in CSR Waste Management & Bronze Award in CSR Clean Energy 7th Edition of the CSR Health Impact Awards organized by Integrated Health and Wellbeing (IHW) Council

SBI Card is now a Participant of the United Nations Global Compact (UNGC)

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Pledge to operate responsibly, in alignment with universal sustainability principles.

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ENVIRONMENT

UNGC ID: 159,450

Network India

Certificate of Participation

TH IS IS TO CERTIFY THAT

SB I CARDS AND PAYMENTS SERVICES LIM ITED

IS AN ANNUA L BUSINESS PARTICIPANT OF

UN GLOBAL COMPACT NETWORK (INDIA)

FOR THE PERIOD OF JULY 2023 TO JUNE 2024

HUMAN RIGHTS

LABOUIR

Ratnesh Executive Director UN Global Compact Network India

Glossary

Term

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MAKING LIFE SIMPLE

Description

New Accounts

Sum of all accounts opened in a reporting period.

Card-in-force

Spends

Retail Spends

Corporate 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 Spends (retail and corporate) constitutes the aggregate notional amounts (POS/online) transacted by our cardholders in a reporting period.

Total retail spends constitutes the aggregate notional amounts (POS/online) transacted by our retail cardholders in a reporting period.

Total corporate spends constitutes the aggregate notional amounts (POS/online) transacted by our corporate entity cardholders in a reporting period.

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

Retail 30-day Active Rate

Constitutes the number of active accounts (with at least one retail transaction) over the total accounts in a month.

Market share – CIF

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

Averages

2-point average for quarter, 3-point average for half year, 4-point average for 9 months, and 5-point average for annual 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 NEA per card

Average NEA per card outstanding is calculated as total NEA 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 %

Calculated as operating and other expenses divided by total income after subtracting finance cost.

ROAA

ROAE

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).

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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MAKING LIFE SIMPLE

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.

MAKING LIFE SIMPLE

Thank You

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