SBICARDNSE28 January 2025

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

SBI Cards and Payment Services Limited

MAKING LIFE SIMPLE

January 28, 2025

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.

Requirements) Regulations, 2015 Analysts/Investors on Financial Results

- Copy of Presentation made

for

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 nine months ended December 31, 2024.

Kindly take the same on record.

Thanking you,

Yours faithfully,

For SBI Cards and Payment Services Limited

Payal Mittal Chhabra Chief Compliance Officer & Company Secretary Date & Time of event: - January 28, 2025 at 05:47 PM

Encl:.aa

S81 Cards and Payment Services Ltd.

DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3, DLF Cybcr City, Gurugram • 122002, Haryana, India

Tel.: 0124-4589803 Email: customercare@sbicard.com Website, sbicard.com

Registered Office: Unit 401 & 402, 4th Floor, Aggarwal Millennium Tower, E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN - L65999DL 1998PLC093849

OSBl card

INVESTOR PRESENTATION Q3 – FY25

INDEX

Key Highlights

Portfolio Growth

Financial Update

Asset Quality

Borrowings & Capital Adequacy

ESG

Shareholders Summary

Annexures

O SBI Card

OSBI Card

Key Highlights

.....

·• .

• ..... ·······••

9 •... .. . . . ..

.. ······

Key Highlights for Q3 FY25

O SBI Card

Reached 2 Crore Cards-in-force milestone in Dec’24

New A/cs

11.75 lacs  7% YoY  30%QoQ

CIF

2.02 Cr  10% YoY  3% QoQ

Spends

₹ 37,730 Cr+ ₹ 86,093 Cr Receivables 11% YoY  41% YoY  5% QoQ

Receivables

₹ 54,773 Cr  12% YoY  1% QoQ

PAT

₹ 383 Cr  30% YoY  5% QoQ

Cost to Income

53.5%  644 bps YoY  14 bps QoQ

ROAA

2.4%  158 bps YoY  24 bps QoQ

ROAE

11.5%  775 bps YoY  97 bps QoQ

s s e n i s u B

s e m u o V

y t i l i

b a t i f o r P

e c n a a B

t e e h S

GNPA

3.24%  60 bps YoY  3 bps QoQ

NNPA

1.18%  22 bps YoY  1 bps QoQ

CAR

22.9%  447 bps YoY  77 bps QoQ

LCR

114% (Stat. Req. 100%)

OSBI Card

········4-

············••••••••••••••

.. ··••••••••· ... .. · . . •. . . . . . . . . . : •• •............ / .... •········

Portfolio Growth

.. Q..····

.. .. · ..

Key Business Metrics

O SBI Card

New Accounts (Lacs)

Cards-in-force (Cr)

Receivables (₹ Cr)

10.96

10.29

9.04

7% YOY 30% QOQ

11.75

10% YOY 3% QOQ

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

·• ................................................................................................................................................................................................................. •·· ..

2.02

1.96

1.85

48,850

12% YOY 1% QOQ

55,601

54,773

Retail Spends (₹ Cr)

73,519

69,189

71,880

76,398

80,792

10% YOY 6% QOQ

Q2 FY25 •• •....................................................................................................... ••

Q3 FY25

Q3 FY24

Q2 FY25 •••••·•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•··•·•••••••

Q3 FY25

Key Insights:

·• ••............................................................................................................................................................................................................... •··

Q3 FY25

Q4 FY24

Q1 FY25

Q3 FY24

Q2 FY25

▪ Crossed the 2 Crore milestone in terms of cards in force

Corporate Spends (₹ Cr)

23,341

10,464

5,301 5,249 ~v - - - - -60 - - - - - - - ( )0 - - - - - - - - -<>0

5,495

77% YOY

4% QOQ

▪ ~1 Mn+ New Accounts sourced during Q3’FY25

▪ Continued growth in Retail spends @ 10%

▪

IBNEA Stable @ ~60%

Q1 FY25

Q2 FY25

Q3 FY25

Q3 FY24

Q4 FY24

Portfolio Growth

O SBI Card

Spend per Card (₹ ‘000)

Receivable per Card (₹)

213

162

171

148

162

151

169

158

173

162

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

■

Ret+Corp

■

Ret

30 day Retail spend active rate %

52%

50%

52%

26,438

26,918

27,395

28,387

27,052

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Receivables(₹ Cr)/Mix %

50,846

52,705

48,850 ,-----,

62%

54,773 55,601 ,-----, , - - - - - \ Interest Earning Receivables

60%

I - - -..... I - - - - - . .-------. I ...-----. I I ...-----, I I I I I I I \ I

I I I I I I I \

I I I I

I I I \

23%

36%

37%

38%

24%

37%

24%

23%

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

38%

39%

38%

40%

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

•• .......................................................................................................................................................................................... ..

■ : ·• ...................................................................................................................................................................................... •·

■

Transactor

Revolver

EMI

Retail Spends Insights

Online Spend %

57.9%

58.5%

56.9%

54.4%

51.9%

FY21

FY22

FY23

FY24

9M FY25

O SBI Card

Spends Categories

Total Spends

% Growth^ POS Spends

Online Spends

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

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

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

11%

12%

36%

75%

21%

15%

21%

^ 9M FY25 Over 9M FY24 | Category analysis excludes Fuel & Automotive Service category

UPI Spends on Rupay Cards*

UPI Active CIF

UPI Spends

Avg. UPI Spend/Account/month

Tier 1

Tier 2+

27%

73%

23%

77%

Rs. 14.2K

Rs. 17.6K

• •

Over 47% growth in UPI spends – Q3 FY25 vs Q2 FY25 Top 5 Categories for UPI Spends : Departmental Stores & Grocery | Utilities | Fuel | Apparel | Restaurant

*Active UPI users on Rupay Card Base of Dec’24

OSBI Card

Financial Update

Key Financials

Revenue from operations ....

:..

4,622

4,348

4,359

4,421

4,619

YOY 4 % QOQ

. .. \

PAT Trend

\ ........................ : ........................ : ........... : ....... J

Q3 FY25

Q2 FY25

Q3 FY24

Q1 FY25

Q4 FY24

Interest Cost

695

724

767

788

829

19% YOY 5% QOQ

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Operating Cost ,.. ··········· : ············: ··········· : ············:·········· r

2,426

1,918

1,816

2,011

2,107

13% YOY

·······1 5 % QOQ

Key Insights:

O SBI Card

(All figures in ₹ Cr )

T T

30% YOY 5% QOQ

1,745

21% YOY

1,382

549

404

383

Q3 FY24

Q3 FY25 ·-................................................................................................................................................................................................................... -·

Q2 FY25

9M FY25

9M FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

•• •.................................................................................................................................................................................................................• -·

Credit Cost ,..-··········································

883 6 - - - - - -0 - - - - - - - 0 - - -+ - - - - , . .

944

1,101

1,212

1,313

49% YOY 8% QOQ

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

l...

···· .. ,

▪ Revenue higher q-o-q contributed both by Interest & Fee Income

▪ COF stable this quarter at 7.4%

▪

Festival offers resulted in higher opex and C/I

▪ Higher Credit Cost impacted PAT for Q3

P&L Summary

Q3 FY25 Q2 FY25

QoQ

Total Income

-Revenue from Operations

-Interest Income

-Fees & Other Revenue

-Other Income

Interest Cost

Operating Cost

Earning Before Credit Cost

Impairment on Financial

Instruments

4,767

4,619

2,399

2,220

148

829

2,107

1,831

4,556

4,421

2,290

2,131

135

788

2,011

1,757

1,313

1,212

10%

PBT

518

545

-5%

YoY

15%

-13%

23%

19%

-13%

13%

49%

-30%

9M FY25

13,805

13,398

6,932

6,466

407

2,383

5,934

5,488

3,626

1,862

YoY

20%

-5%

27%

-8%

17%

55%

-21%

PAT Key Metrics ............................................................................................................................................................... Yield

-30%

-5%

404

383

-12bps

16.6%

16.4%

16.5%

12bps

-6bps

1,382

-21%

O SBI Card

(All figures in ₹ Cr )

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

4,622 6%

20%

29%

45%

4,421 7%

19%

22%

52%

4,619

19%

22%

52%

Q3 FY24

Q2 FY25

Q3 FY25

■

Interest Income Instance Based & Others

■

Spend Based Subscription Based

COF

NIM

7.4%

10.6%

1bps

3bps

10bps

-31bps

Cost to Income

53.5%

53.4%

14bps

-644bps

Credit Cost

ROA

9.4%

2.4%

9.0%

2.7%

40bps

214bps

-24bps

-158bps

7.4%

10.7%

52.0%

9.0%

3.0%

31bps

-42bps

-597bps

207bps

-155bps

• • • • •• • • • • • •• ■■■ • • • • • • • • • • • • • • • • • • • • • ■■■ • • • • • • • • • ■■■ • • • • • • • • • ■■■ • • • • • • • • • • • • • • • • • • • • • ■■■ • • • • • • • • • ■■■ • • • • • • • • • ■■■ • • • • • • • • • • • • • • • • • • • • • ■■■ • • • • • • • • • ■■■ • • • • • • • • • •

OSBI Card

Asset Quality

Q3 FY25 Q2 FY25

QoQ

YoY

9M FY25

YoY

Gross Credit Cost *(A)

1,313

1,213

-Gross Write off

1,354

1,106

22%

49%

89%

-Provision

Recoveries (B)

(41)

146

107

133

Net Credit Cost (A-B)

1,168

1,079

-138%

-125%

23%

53%

3,627

55%

3,429

70%

198

402

3,225

-39%

10%

63%

1····························································1 r··························································1

9.0%

207bps

Gross Credit Cost %

Net Credit Cost %

9.4%

8.4%

9.0%

40bps

214bps

8.0%

35bps

207bps

8.0%

215bps

64.3%

64.4%

0bps

23bps

64.3%

23bps

3.6%

-2bps

14bps

3.6%

14bps

3.24%

3.27%

-3bps

60bps

3.24%

60bps

PCR %

ECL %

GNPA %

NNPA %

O SBI Card

Receivables (₹ Cr) (Composition Mix %)

(All figures in ₹ Cr )

48,850

55,601

2.6% 5.6%

91.8%

3.3% 5.7%

91.0%

54,773

3.2% 5.6%

91.1%

Q3 FY24

■

Stage 1

Q2 FY25 Stage 2

■

Q3 FY25 Stage 3

■

Provision(₹ Cr) (% of NEA)

1,686

64.1%

4.7% 1.6% Q3 FY24

2,005

64.4%

4.2% 1.4% Q2 FY25

1,965

64.3%

4.2% 1.4% Q3 FY25

1.18%

1.19%

-1bps

22bps

1.18%

22bps

■

Stage 1

■

Stage 2

■

Stage 3

*Excludes impairment on other financial assets

Stage 2: 30-89 DPD and High Risk, Overlimit and Linked Accounts. Stage 3: 90-179 DPD and Settled, Restructured, Deceased and Linked Accounts. 1313

Portfolio Insights

O SBI Card

New Accounts

Salaried Category

Age Profile

By City Tier

g n c r u o S w e N

5 2 Y F 3 Q r o F

111111111111111111111

111

1111

1111111

111111111111111111111

45%

55%

111111111111111111111111

25%

111

11111111

~ J

20%

17%

48%

35%

22%

26%

33%

19%

■

SBI

Ill

Open Market

1111

Govt/PSU

Cat A

Cat B

Salaried 66%; Self employed 34%

Under 30

31-45

>45

Tier 1

Tier 2

Tier 3

Others

1.10

1111111111111111111111111111

59%

111111111

11111111111111111111111111111111111111,

41%

0.74

e c r o F

- n

- s d r a C

4 2 c e D 1 3

n o s A

0.99

40%

111111111111111111111111

1111

,111

0.61 34%

0.77

25%

21%

1111111111111111

, ,

lllll11i -

1.18

1.00

17%

25%

1.00

11111111111111111111

36%

0.99

1-,,

26%

1.15

1.05

54%

22%

1.02

\ \

SBI

■

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

Indexed 30+ delinquency

■

1111

Ill

1111

111

Tier 3

Others

Tier 2

Tier 1

Under 30

31-45

>45

Open Market

Govt/PSU

Cat A

Cat B

Borrowings & Capital Adequacy

OSBI Card

•••··· ... ....

···· ·· •

Borrowings & Capital Adequacy

Borrowings Mix

Capital Adequacy

O SBI Card

12%

19%

69%

13%

20%

67%

20%

17%

63%

21%

18%

61%

19%

16%

65%

CAR

Tier 1

18.4%

20.6% o - - - - - - - -1 ;0> - - - - - - - -0 - - - - - - - -1 :0 ) . - - - - - - -0

20.5%

22.1%

22.9%

---

16.3%

16.5%

16.8%

16.3%

17.0%

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

••.....

••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••

■

WCDL

■

NCD

■

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

·······························································································································································································································/

.....

COF Trend

Key Comments

7.3%

7.5%

7.4%

7.6%

---0

7.5%

7.6%

7.4%

Q3 FY24

Q4 FY24

.. ·-••..................................................................................................................................................................................................................... -····

COF%

Q1 FY25

Q2 FY25 Daily Weighted Average

-•-

7.5%

-• 0

7.4%

Q3 FY25

Credit Ratings ▪ ▪

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

l ......................................................................... J .l

• CAR at comfortable level of 22%+ • Daily COF down by 10 bps

OSBI Card

ESG

ESG Update

O SBI Card

8.3L+ Trees Saved

0.2% PwD Diversity

‘A’ ESG Rating

16.5 ESG Risk Rating

Through paperless communication with customers since FY 2017-18

Increased efforts towards PwD & Women Candidates Hiring

MSCI | SEBI Registered

Sustainalytics

• Since Nov’2024, SBI Card’s Chennai

Office meets 80%+ of its electricity needs through solar energy, marking a transformative step reducing our environmental footprint and advancing our ESG Goals.

• Phase V of Project MASS being

undertaken to setup plastic recycling facility of 30 TDP in Jammu to recycle waste, along with providing sustainable seating solution by supplying 5,000 benches made from this recycled material to Govt. Schools in Doda district

~--------------------------

•

PwD diversity improved from 0.1% to 0.2% by hiring new employees in this category

• Celebrated festive season across locations & Family day in Gurugram Corporate Office for employees, fostering a sense of community & cultural inclusivity.

• Completed Materiality Assessment,

adding Community Development & Brand Reputation & Management as new material topics to strengthen our ESG focus & stakeholder alignment.

• Regular awareness for all employees on Code of Conduct through trainings.

• Distributed total 11,500 Relief kits to Flood

•

affected families in Vijayawada, Pondicherry, Purnia and Supaul districts of Bihar as CSR efforts demonstrating community support & resilience building.

Introduced Credit on UPI and a Limit Slider feature on SBI Card’s Mobile app for customers, enhancing customer convenience and promoting digital financial inclusion by expanding credit access through UPI transactions.

• Completed Project SAMRIDH (Rural development project) in Pipret and Badagaon, Dhaulpur, Rajasthan enhancing infrastructures for education, healthcare, water resources, and women's livelihoods benefitting 8000+ villagers.

~--------------------------

• Achieved an MSCI ESG Rating of A for

FY2024, maintaining the same rating as for the FY 2023, highlighting our strong commitment to strong ESG practices.

~--------------------------

For Communities

O SBI Card

Pankh – A CSR Initiative on Children’s Day sponsoring 50 children Rs. 20,000 scholarship

CSR ‘Project Samridh’ under Rural Development - Pipret and Badagaon, Dhaulpur, Rajasthan

Relief Kits Distribution in Flood Affected areas of Vijaywada, Puducherry & Bihar by SBI Card Employees

OSBI Card

.· ·· ···•,,

• ,

.·

Shareholders Summary

··.,:

;····· ......... . •· ···

•••• •• •····· •••• ••• •••••••·····

Shareholders Summary

O SBI Card

Shareholding Pattern, 31st Dec 2024

Top 20 Shareholders as on 31st Dec 2024

Insurance 6.45%

Others 0.95%

Resident Individuals 4.78%

MF 9.71%

FPI 9.51%

Promoter Group SBI & Subs. 68.60% (SBI – 68.60%)

S. No 1

State Bank Of India

Name of Shareholder

Life Insurance Corporation Of India - P & Gs Fund

Life Insurance Corporation Of India

Icici Prudential Multi-Asset Fund

Government Pension Fund Global

Icici Prudential Large & Mid Cap Fund

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

Tata Indian Opportunities Fund

Icici Prudential Elss Tax Saver Fund

Icici Prudential Value Discovery Fund

Zulia Investments Pte. Ltd.

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

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 Hsbc Global Investment Funds - Indian Equity

Abu Dhabi Investment Authority - Monsoon

Tata Large And Mid-Cap Fund Nippon Life India Trustee Ltd- A/C Nippon India Banking & Financial Services Fund Ishares Core Msci Emerging Markets Etf

% 68.60

4.11

1.98

1.66

1.10

0.82

0.63

0.58

0.56

0.55

0.48

0.45

0.43

0.40

0.35

0.33

0.32

0.27

0.25

OSBI Card

OSBl card

Annexures

Balance Sheet Statement

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’24

Dec’24

49,079 2,730 3,519 573 55,901 564 365 1,341 2,270 58,171

951 11,133 12,084 39,891 4,474 44,365 636 1,087 1,722 58,171

52,808 1,552 5,446 435 60,240 491 485 1,347 2,324 62,563

951 12,524 13,476 43,906 3,518 47,425 661 1,002 1,663 62,563

O SBI Card

(All figures in ₹ Cr )

2323

Profit & Loss Statement

Description

Interest Income

Fees and commission income

Sale of Services

Business development incentive income

Insurance commission income

Revenue from operations

Other Income

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

Q3 FY24 Q2 FY25 Q3 FY25

9M FY24 9M FY25

O SBI Card

(All figures in ₹ Cr )

2,082

2,293

201

2,290

1,957

140

4,622

4,421

120

135

4,742

4,556

695

552

883

144

51 1,679 4,004

738

549

788

148

1,212

149

50 1,664 4,011

545

404

2,399

2,025

161

4,619

148

4,767

829

144

1,313

152

49 1,763 4,249

518

383 ________ .,,

5,788

6,165

126

539

6,932

5,910

454

12,621

13,398

388

407

13,009

13,805

1,871

1,385

2,383

438

2,343

437

145 4,483 10,665

2,344

1,745

3,626

435

148 4,912 11,943

1,862

1,382

2424

Explaining Returns

Q3 FY24 Q2 FY25 Q3 FY25

QoQ

Interest Income

15.3%

15.2%

15.3%

Fees and other Income

18.6%

14.1%

14.2%

0.9%

YoY

3bps

9M FY25

YoY

15.3%

5bps

-446bps

14.3% -377bps

6bps

0.9%

-8bps

9bps

1bps

4bps

Recoveries

Total Revenue

Finance Costs

34.7%

30.2%

30.4%

15bps

-437bps

30.4% -380bps

Operating Costs

17.8%

13.3%

13.4%

5.1%

5.2%

5.3%

5bps

8bps

18bps

5.3%

33bps

-434bps

13.1% -389bps

Earnings before Credit Costs

11.9%

11.7%

1bps

-21bps

12.1% -24bps

Credit Costs

PBT

Taxes

ROAA

Avg Assets/Avg Equity

6.5%

5.4%

1.4%

4.0%

4.8

8.0%

3.6%

0.9%

2.7%

4.7

8.4%

33bps

190bps

8.0%

183bps

3.3%

-32bps

-211bps

4.1% -206bps

0.9%

-8bps

-52bps

1.1%

-52bps

2.4%

-24bps

-158bps

3.0% -155bps

4.7

ROAE

19.3%

12.5%

11.5%

-97bps

-775bps

14.3% -727bps

O SBI Card

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Product Brief

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Super Premium

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Banking

Retail

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Market Share

O SBI Card

Dominant credit card player in India

CARDS IN FORCE

SPENDS

TRANSACTIONS

18.7%

19.7%

18.6%

18.7%

19.2%

18.2%

17.8%

19.8%

18.2%

15.6%

17.0%

16.5%

FY22

FY23

FY24

FY25*

FY22

FY23

FY24

FY25*

FY22

FY23

FY24

FY25*

*As per RBI report available till Dec’24

Recent Developments

‘Khushiyon Ka Utsav’ Festive Campaign

SBI Card launched ‘Khushiyon Ka Utsav’ promotional campaign during the festive period 2024.

Introduced 150+ festive offers across varied categories on an array of brands and segments.

Collaboration with e-commerce platforms Amazon and Flipkart were launched to drive high-spend customer engagement & penetration.

- Offers were pushed through BTL and

digital media, along with ATL mediums like retail kiosks and partner-owned OOH media.

In-Flight Promotion for SBI Card MILES

To target frequent fliers, in-flight branding of

SBI Card MILES was executed across 25 Air

India Aircrafts.

The promotional campaign was live for 30 days.

SBI Card Apple Offer

Continued the strategic partnership with Apple, where cardholders could avail up to Rs. 10,000 instant discount across different Apple products.

Extensive offer visibility by Apple through deployment of premium media across channels.

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Glossary

Term

New Accounts

Card-in-force

Spends Retail Spends Corporate Spends

Receivables

Sum of all accounts opened in a reporting period.

Description

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.

O SBI Card

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-CIF is calculated by dividing our total cards outstanding by industry-wide total cards outstanding, as obtained from data published by RBI at the end of the reporting period.

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

Averages for various ratios are computed basis monthly denominators.

Spends per card

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

Receivables per card

Receivables 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.

EBCC

Yield %

COF %

NIM %

EBCC is Earning before credit cost, calculated as aggregate of all revenue lines less interest cost and operating cost.

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).

Calculated as interest income after subtracting finance cost divided by average receivables for the period (annualized).

Gross Credit Cost %

Calculated as Gross Write off and provision on loan asset divided by average receivables for the period (annualized).

Cost to Income %

Calculated as operating and other expenses divided by Net revenue (Total revenue after subtracting finance cost.)

ROAA

ROAE

GNPA%

NNPA%

ECL%

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).

Calculated as Stage 3 receivables divided by total receivables for the period

Calculated as Stage 3 receivables after subtracting provision of stage 3 divided by total receivables for the period less stage 3 provision

Calculated as total provision divided by total receivables for the period less stage 3 provision

Shareholders’ equity

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

Disclaimer

O SBI Card

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.

OSBI Card

Thank You

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