SBICARDNSE24 April 2025

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

SBI Cards and Payment Services Limited

April 24, 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 - Copy of Presentation made for

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 year ended March 31, 2025.

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: - April 24, 2025 at 06:56 PM

Encl:.aa

SBI Cards and Payment Services Ltd.

DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3,

Tel.: 18001801290 Email: customercare@sbicard.com

Registered Office: Unit 401 & 402, 4th. Floor, Aggarwal Millennium Tower,

DLF Cyber City, Gurugram - 122002, Haryana, India

Website, sbicard.com

E 1,2,3, Netaji Subhash Place, Wazirpur, New Delhi - 110034 CIN - L65999DL 1998PLC093849

4 2 W 5 0 7 0 I S

INVESTOR PRESENTATION Q4 – FY 2024-25

OSBI Card

INDEX

Key Highlights

Portfolio Growth

Financial Update

Asset Quality

Borrowings & Capital Adequacy

ESG

Shareholders Summary

Annexures

O SBI Card

Key Highlights

OSBI Card

FY25 at a glance

O SBI Card

Touched 2 Cr Milestone in Cards in FY25, Retail Spends increase by 18% YoY

Business Volumes

New Accounts - 6% 4,364K → 4,092K FY24 FY25

Retail Spends + 18% ₹ 262,501 Cr → ₹ 308,779 Cr FY24 FY25

Receivables + 10% ₹ 50,846 Cr → ₹ 55,840 Cr Mar 24 Mar 25

Income/ Profits

Asset Quality

Total Income + 7% ₹ 17,484 Cr → ₹ 18,637 Cr FY24 FY25

EBCC + 14% ₹ 6,519 Cr → ₹ 7,452 Cr FY24 FY25

PAT - 20% ₹ 2,408 Cr → ₹ 1,916 Cr FY24 FY25

GCL % + 189 bps 7.1 % → 9.0% FY24 FY25

GNPA % + 31 bps 2.76 % → 3.08% Mar 24 Mar 25

ECL % - 6 bps 3.5% → 3.4% Mar 24 Mar 25

Profitability ratios

ROAA - 149 bps 4.6% → 3.1% FY24 FY25

ROAE - 710 bps 21.7% → 14.6% FY24 FY25

EPS (Basic) -21 % ₹ 25.39 → ₹ 20.15 FY24 FY25

Key Highlights for Q4 FY25

O SBI Card

Profits increase 39%+ QoQ, Credit costs decline to 9%

New A/cs

11.09 lacs  8% YoY  6%QoQ

CIF

2.08 Cr  10% YoY  3% QoQ

Spends

₹ 37,730 Cr+ ₹ 88,365 Cr Receivables 11% YoY  41% YoY  3% QoQ

Receivables

₹ 55,840 Cr  10% YoY  2% QoQ

PAT

₹ 534 Cr  19% YoY  39% QoQ

Cost to Income

51.4%  21 bps YoY 216 bps QoQ

ROAA

3.4%  132 bps YoY  91 bps QoQ

ROAE

15.5%  660 bps YoY  399 bps QoQ

GCL%

9.0%  143 bps YoY  42 bps QoQ

GNPA

3.08%  31 bps YoY  17 bps QoQ

NNPA

1.46%  47 bps YoY  27 bps QoQ

CAR

22.9%  234 bps YoY  5 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

Portfolio Growth

OSBI Card

Key Business Metrics

New Accounts (Lacs)

,... .. •························································································································

...

8% YOY 6% QOQ

..\

10.29

9.04

11.75

11.09

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

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

O SBI Card

Cards-in-force (Cr)

Receivables (₹ Cr)

10% YOY 3% QOQ

2.02

2.08

50,846

1.89

10% YOY 2% QOQ

54,773

55,840

Retail Spends (₹ Cr)

69,189

71,880

76,398

80,792

79,709

15% YOY 1% QOQ

Q3 FY25 ~-....................................................................................................... ·•

Q4 FY25

Q4 FY24

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

Q4 FY25

Q4 FY24

Key Insights:

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

Q1 FY25

Q2 FY25

Q4 FY24

Q3 FY25

Q4 FY25

Corporate Spends (₹ Cr)

10,464

▪ New accounts sourcing steady at ~1 Mn+ level

17% YOY

63% QOQ

▪ Retail spends stable ~ 80,000 Cr

o,..._____

5,249

5,495

5,301

------------1.~.,__----o~------0-0-----~

8,656 ~

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

Q2 FY25

Q3 FY25

Q4 FY25

Q4 FY24

Q1 FY25

▪ Corporate spends increase to ~8600+ Cr, 60%+ QoQ

▪ Receivables increase 10% YoY, 2% QoQ, IBNEA @ ~59%

Portfolio Growth

O SBI Card

Spend per Card (₹ ‘000)

Receivable per Card (₹)

26,918

27,395

28,387

27,052

26,816

171

148

162

151

169

158

173

162

172

155

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

■

Ret+Corp

■

Ret

30-day Retail spend active rate %

50%

52%

51%

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

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

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

Receivables(₹ Cr)/Mix %

52,705

55,601

50,846 ,-----,

62%

54,773 55,840 Interest Earning Receivables

,-----, , - - - - - \

60%

59%

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

I I I I I I I \

I I I I

I I I \

36%

23%

24%

37%

24%

37%

35%

38%

24%

39%

38%

40%

41%

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

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

■

Transactor

Revolver

EMI

Retail Spends Insights

Online Spend %

57.9%

58.9%

56.9%

54.4%

51.9%

FY21

FY22

FY23

FY24

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

39%

10%

23%

84%

19%

29%

^ FY25 Over 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+

25%

75%

22%

78%

Rs. 14.8K

Rs. 18K

• •

Over 4X growth in UPI spends – Q4 FY25 vs Q4 FY24 Top 5 Categories for UPI Spends : Departmental Stores & Grocery | Utilities | Fuel | Apparel | Restaurant

*Active UPI users on Rupay Card Base of Mar’25

Financial Update

OSBI Card

Key Financials

Revenue from operations ....

4,348

4,674 4,421 6 - - - -~ - - - -<> - - -~> - - - - - - - -Y

4,359

4,619

PAT Trend

8% YOY 1% QOQ

...

. ..

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

Q4 FY24

Q3 FY25

Q4 FY25

Q2 FY25

Q1 FY25

Interest Cost

724

767

788

829

795

10% YOY 4% QOQ

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

Operating Cost / ··········· : ············ : ··········· : ············:··········. - ·······1

8% YOY

1,918

1,816

2,011

2,107

2,073

2% QOQ

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

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

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

.....

, <..

944 6----~----o---------~ T

1,212

1,313

1,245

1,101

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

32% YOY 5% QOQ

···· .. ,

O SBI Card

(All figures in ₹ Cr )

2,408

20% YOY

1,916

19% YOY 39% QOQ

534

662

383

Q4 FY24

Q4 FY25 ·-................................................................................................................................................................................................................... -·

Q3 FY25

FY25

FY24

Key Insights:

▪ NIM improves to 11%+ aided by better yield & COF in Q4

▪ Opex lower being a non-festive quarter

▪ Credit Costs decline to @ 9.0% vs 9.4% in previous quarter

P&L Summary

Q4 FY25 Q3 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

PBT

PAT Key Metrics

4,832

4,674

2,415

2,259

158

795

2,073

1,964

4,767

4,619

2,399

2,220

148

829

2,107

1,831

1,245

1,313

719

534

518

383

-4%

-2%

-5%

39%

YoY

13%

25%

10%

32%

-19%

Yield

COF*

NIM*

Cost to Income

Credit Cost

ROA

17.0%

16.5%

48 bps

29 bps

7.2%

11.2%

51.4%

9.0%

3.4%

7.4%

-18 bps

-15 bps

10.6%

54 bps

29 bps

53.5%

-216 bps

21 bps

9.4%

2.4%

-42 bps

143 bps

91 bps

-132 bps

*Adjusted for lease modification entries, COF @ 7.3%, NIM @ 11.1% for Q4 FY25

FY25

18,637

18,072

9,347

8,725

565

3,178

8,007

7,452

4,872

2,581

1,916

16.7%

7.4%

10.8%

51.8%

9.0%

3.1%

YoY

18%

-3%

10%

22%

-4%

14%

48%

-20%

2 bps

19 bps

-24 bps

-442 bps

189 bps

-149 bps

(All figures in ₹ Cr )

O SBI Card

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

4,348 7%

21%

23%

4,619 7%

19%

22%

49%

52%

4,674

19%

23%

52%

Q4 FY24

Q3 FY25

Q4 FY25

■

Interest Income Instance Based & Others

■

Spend Based Subscription Based

Asset Quality

OSBI Card

Asset Quality

Q4 FY25 Q3 FY25

QoQ

YoY

FY25

YoY

Gross Credit Cost *(A)

1,244

1,313

-Gross Write off

1,303

1,354

-Provision

Recoveries (B)

(59)

154

(41)

146

Net Credit Cost (A-B)

1,091

1,168

-7%

-5%

-4%

32%

51%

46%

-173%

22%

33%

4,872

48%

4732

64%

139

555

-66%

13%

4,316

54%

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

9.0%

189bps

Gross Credit Cost %

Net Credit Cost %

9.0%

7.9%

9.4%

-42bps

143bps

8.4%

-49bps

132bps

7.9%

193bps

53.5%

64.3%

-1089bps

-1143bps

53.5%

-1143bps

3.4%

3.6%

-17bps

-6bps

3.4%

-6bps

3.08%

3.24%

-17bps

31bps

3.08%

31bps

PCR %

ECL %

GNPA %

NNPA %

(All figures in ₹ Cr )

O SBI Card

Receivables (₹ Cr) (Composition Mix %)

50,846

54,773

2.8% 5.7%

91.5%

3.2% 5.6%

91.1%

55,840

3.1% 5.0%

91.9%

Q4 FY24

■

Stage 1

Q3 FY25 Stage 2

■

Q4 FY25 Stage 3

■

Provision(₹ Cr) (% of NEA)

1,767

64.9%

4.4% 1.6% Q4 FY24

1,965

64.3%

4.2% 1.4% Q3 FY25

1,906

53.5%

19.2% 0.9% Q4 FY25

1.46%

1.18%

27bps

47bps

1.46%

47bps

■

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. 14

Portfolio Insight

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 4 Q r o F

111111111111111111111

111

1111

111111•

37%

55%

63%

111111111111111111111111

26%

111

111111

19%

20%

30%

50%

24% ,

34%

23%

11111111111111111111111111

111111

18%

■

SBI

Ill

Open Market

1111

Govt/PSU Salaried 61%; Self employed 39%

Cat A

Cat B

1.10

- . .111111111111111111111111111

1.01

41%

111111111111111111111111

0.62 34%

1111

,111

25%

1.13

Ill

Under 30

31-45

>45

Tier 1

Tier 2

Tier 3

Others

0.77

25%

, ,

21%

1111111111111111111111

1.19

1111111111,

0.99

17% ,

111111111111111111

1111111111

35%

0.99

26%

- -.J

1.02

1.01

22%

1.03

54%

e c r o F

- n

- s d r a C

5 2 r a M 1 3

n o s A

58%

42%

11111111111111111111111111111111111111h -

0.75

11111111

SBI

Open Market

Govt/PSU

Cat A

Cat B

Under 30

31-45

>45

Tier 1

Tier 2

Tier 3

Others

Indexed 30+ delinquency

Borrowings & Capital Adequacy

OSBI Card

Borrowings & Capital Adequacy

Borrowings Mix

Capital Adequacy

O SBI Card

13%

20%

67%

20%

17%

63%

21%

18%

61%

19%

16%

65%

19%

14%

67%

CAR

Tier 1

20.5%

22.1% o---------<o~--------~o~--------~0>---------0

20.6%

22.9%

- - -

16.5%

16.8%

16.3%

17.0%

17.5%

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

NCD ·····• ................................................................... ~ ......................... ~ ..................... ~ ............................................................................................ ....

WCDL

COF Trend

7.5%

•------ ...... ------•-------•-------•

7.6%

7.5%

7.4%

7.5%

7.4%

Q4 FY24

Q1 FY25

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

COF%

Q2 FY25

Q3 FY25 Daily Weighted Average

-•-

7.2%

Q4 FY25

Q4 FY24

Q1 FY25

Q2 FY25

Q3 FY25

Q4 FY25

\..

Key Comments r··· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···1 Credit Ratings ▪ ▪

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

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

r··· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ···· ··-1 • CAR at comfortable level of 22%+ • Daily COF stable for the quarter

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

*Adjusted for lease modification entries, COF @ 7.3% Q4 FY25

ESG

OSBI Card

ESG & CSR Update

O SBI Card

8.8L+ Trees Saved

27% Women Diversity

CRISIL ESG 65

Through paperless communication with customers since FY 2017-18

Increased efforts towards PwD & Women Candidates Hiring

CRISIL ESG Rating

Category “STRONG”

• Introduced

live photo

and eAadhaar integration on SBI Card App to enable secure, paperless onboarding, and promoting resource efficiency

capture

• Employee volunteers led plantation drives in Gurugram and Pune, beach cleaning clean drive environment and biodiversity

in Mumbai

supporting

• Winner of

the prestigious Golden Peacock National Training Award 2024-25 in the financial sector.

• Hosted two special workshops for women

employees

✓ Inspiring session by Saina Nehwal and ✓ Special self-care workshop for women employees by renowned health expert Dr. Tanaya Narendra.

• Increased leadership presence through in at non-corporate employee

person locations, engagement & inclusivity

strengthening

townhalls

• Hosted

Powerplay

with participation across all genders from 8 employee participation cities; 30% fostered collaboration and inclusivity.

League

• Completed comprehensive review of Risk further Management strengthening resilience, embedding sustainability, and reflecting regulatory and emerging risk trends.

Framework

risk

• Digital Transformation enhancing Customer

Experience & Efficiency ✓ Revamped key

journeys (KYC renewal,

address/contact updates)

✓ Improved STP on Sprint for faster digital

applications

• Initiated Anti Money Laundering Awareness to assess effectiveness of AML

Survey awareness programs amongst employees.

• Winner

“Digital Enterprise of India-BFSI” award at ET - CIO awards.

prestigious

the

L-------------------------- L--------------------------

Shareholders Summary

OSBI Card

Shareholders Summary

O SBI Card

Shareholding Pattern, 31st Mar 2025

Top 20 Shareholders as on 31st Mar 2025

Insurance 6.74%

Others 1.31%

Resident Individuals 3.81%

MF 9.66%

FPI 9.88%

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

Zulia Investments Pte. Ltd.

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

Vanguard Total International Stock Index Fund

Pi Opportunities Aif V Llp Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds Nippon Life India Trustee Ltd-A/C Nippon India Focused Equity Fund

Icici Prudential Elss Tax Saver Fund

Tata Large And Mid-Cap Fund

Hsbc Global Investment Funds - Indian Equity

Icici Prudential Life Insurance Company Limited Nippon Life India Trustee Ltd- A/C Nippon India Banking & Financial Services Fund Societe Generale - Odi

% 68.60

4.11

1.98

1.78

1.13

0.83

0.71

0.59

0.48

0.47

0.43

0.42

0.40

0.38

0.36

0.34

0.32

0.29

0.27

Annexures

OSBI Card

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

Mar’25

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

53,935 2,738 6,235 514 63,422 330 450 1,344 2,124 65,546

951 12,830 13,782 44,947 4,974 49,920 677 1,167 1,844 65,546

O SBI Card

(All figures in ₹ Cr )

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

Impairment on Financial Instruments

Employee benefits & Expenses

Depreciation, amortisation & impairment Operating & Other expenses

Total expenses

Profit before tax

Profit after tax

O SBI Card

(All figures in ₹ Cr )

Q4 FY24 Q3 FY25 Q4 FY25

2,139

2,000

170

2,399

2,025

161

2,415

2,093

138

FY24

7,927

8,165

164

710

FY25

9,347

8,003

126

592

4,348

4,619

4,674

16,968

18,072

127

148

158

515

565

4,475

4,767

4,832

17,484

18,637

724

257

944

132

52 1,478

3,586

888

662

829

144

1,313

152

49 1,763

4,249

518

383

795

195

1,245

154

(2) 1,725

4,113

719

534 ________ .,,

2,595

1,642

3,287

570

197 5,960

3,178

633

4,872

590

147 6,637

14,252

16,056

3,232

2,408

2,581

1,916

Explaining Returns

O SBI Card

Interest Income

15.1%

15.3%

15.1%

-14bps

Q4 FY24 Q3 FY24 Q4 FY25

QoQ

YoY

5bps

FY25

YoY

15.2%

3bps

Fees and other Income

15.6%

14.2%

0.9%

1.0%

4bps

-141bps

14.2% -315bps

8bps

0.9%

-4bps

31.6%

30.4%

30.3%

-6bps

-128bps

30.4% -315bps

5.1%

5.3%

5.0%

-29bps

-12bps

5.2%

20bps

Recoveries

Total Revenue

Finance Costs

Operating Costs

13.5%

13.4%

13.0%

-43bps

-54bps

13.0% -300bps

Earnings before Credit Costs

12.9%

11.7%

12.3%

65bps

-62bps

12.1% -36bps

Credit Costs

PBT

Taxes

ROAA

Avg Assets/Avg Equity

6.7%

6.3%

1.6%

4.7%

4.7

8.4%

3.3%

0.9%

2.4%

4.7

7.8%

-56bps

114bps

7.9%

164bps

4.5%

121bps

-176bps

4.2% -199bps

1.2%

3.4%

4.6

30bps

-44bps

1.1%

-50bps

91bps

-132bps

3.1% -149bps

4.7

ROAE

22.1%

11.5%

15.5%

399bps

-660bps

14.6% -710bps

Product Brief

Super Premium

Core Cards

Banking

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Market Share

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Dominant credit card player in India

CARDS IN FORCE

SPENDS

TRANSACTIONS

18.7%

19.7%

18.6%

18.9%

19.2%

18.2%

17.8%

19.8%

18.2%

17.0%

16.7%

15.6%

FY22

FY23

FY24

FY25*

FY22

FY23

FY24

FY25*

FY22

FY23

FY24

FY25*

*As per RBI report available till Feb’25

Recent Developments

O SBI Card

Promotion of KrisFlyer SBI Card

An ATL Campaign (OOH & Print) was launched to promote the KrisFlyer SBI Card among frequent fliers and business travelers.

• OOH sites at international terminals of Mumbai,

Bangalore & Chennai Airport.

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23,000 BONUS MILES Tl lt,T PUT YOU 01\ Cloud /WW I

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Full Page Ads in leading business dailies (Economic Times, Hindu Business Line, Mint, Business Standard & Financial Express) across top 8 metros.

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.

Upto

~ 10 ooolnstant Discount'

on Apple products

The best olle11 on Apple's latest

OSBI Card

BPCL SBI Card ‘4 Million Card Milestone’

BPCL SBI Card has crossed the 4 million mark, making it one of the largest co-branded credit card partnership.

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SBI Card Wins at Effie India 2024

BPCL and ! Bl Card ce lebrate •·

Million

Happy Customers!

rftcutft. 'JOU for fueling this journey with us!

SBI Card won the highly prestigious Effie India 2024 (Bronze), for SBI Card MILES - Influencer Campaign.

INDIA

The viral campaign featured Shahid Kapoor, who teased his lavish travel plans on social media ; which culminated with Shahid Kapoor unveiling the card, creating significant awareness and engagement.

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 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 conduct and carry out their own due diligence in respect of the information contained in the presentation.

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

OSBI Card

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