Sbi Cards And Payment Services Limited has informed the Exchange about Investor Presentation
October 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. Sandra (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 half year ended September 30, 2025.
The same is also being uploaded on the website of the Company at www.sbicard.com.
Kindly take the same on record.
Thanking you,
Yours faithfully,
For SBI Cards and Payment Services Limited
Payal Mittal Chhabra Chief Compliance Officer and Company Secretary Date and Time of event: - October 24, 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 Cyber City, Gurugram - 122002, Haryana, India
Tel.: 18001801290 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
INVESTOR PRESENTATION
Q2 – FY 2025-26
INDEX
1
2
3
4
5
6
7
8
Key Highlights
Portfolio Growth
Financial Update
Asset Quality
Borrowings & Capital Adequacy
ESG
Shareholders Summary
Annexures
Key Highlights
Key Highlights for Q2 FY26
Continued growth in spends, Credit cost lower QoQ
New A/cs
9.36 lacs 4% YoY 7%QoQ
CIF
2.15 Cr 10% YoY 1% QoQ
Spends
₹ 107,063 Cr 31% YoY 15% QoQ
Receivables
₹ 59,845 Cr 8% YoY 6% QoQ
PAT
₹ 445 Cr 10%YoY 20% QoQ
Cost to Income
56.8% 339 bps YoY 649 bps QoQ
ROAA
2.6% 4 bps YoY 75 bps QoQ
ROAE
12.1% 37 bps YoY 363 bps QoQ
s s e n i s u B
s e m u o V
l
y t i l i
b a t i f o r P
e c n a a B
l
t e e h S
GCL%
9.0% 2 bps YoY 58 bps QoQ
GNPA
2.85% 43 bps YoY 22 bps QoQ
NNPA
1.29% 10 bps YoY 13 bps QoQ
CAR
22.5% 42 bps YoY 68 bps QoQ
4
Portfolio Growth
Key Business Metrics
New Accounts (Lacs)
Cards-in-force (Cr)
Receivables (₹ Cr)
9.04
11.75
11.09
8.73
9.36
4% YOY 7% QOQ
10% YOY 1% QOQ
2.12
2.15
55,601
56,607
8% YOY 6% QOQ
59,845
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
1.96
Retail Spends (₹ Cr)
17% YOY 9% QOQ
76,398
80,792
79,709
82,404
89,611
Q2 FY25
Q1 FY26
Q2 FY26
Q2 FY25
Q1 FY26
Q2 FY26
Key Insights:
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Corporate Spends (₹ Cr)
▪ New accounts sourcing steady in the range of ~9-10 lacs level
5,495
5,301
8,656
10,840
218% YOY
61% QOQ
17,452
▪ Continued growth in Retail Spends, Corporate spends increasing
profitably
▪ Receivables grew by ~8% YoY and IBNEA at ~56%; High transactor
volume at quarter end
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
6
Portfolio Growth
Spend per Card (₹ ‘000)
Receivable per Card (₹)
169
158
173
162
172
177
155
157
201
168
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Ret+Corp
Ret
30-day Retail spend active rate %
52%
52%
51%
52%
53%
28,387
27,052
26,816
26,710
27,832
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Receivables(₹ Cr)/Mix %
55,601
54,773
55,840
59,845 56,607 Interest Earning Receivables
60%
37%
23%
40%
36%
24%
40%
35%
24%
41%
60%
36%
24%
40%
56%
34%
22%
44%
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Transactor
Revolver
EMI
7
Retail Spends Insights
Online Spend %
62.5%
56.9%
57.9%
58.9%
54.4%
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
7%
13%
6%
10%
16%
9%
79%
2%
125%
FY22
FY23
FY24
FY25
H1 FY26
^ Q2FY26 Over Q2FY25 | 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%
21%
79%
Rs. 14.7K
Rs. 18.5K
• •
16% growth in UPI spends – Q2 FY26 vs Q1 FY26 Top 5 Categories for UPI Spends : Departmental Stores & Grocery | Utilities | Fuel | Apparel Restaurant
8
*Active UPI users on Rupay Card Base of Sep’25
Financial Update
Key Financials
Revenue from operations
PAT Trend
4,421
4,619
4,674
4,877
4,961
12% YOY 2% QOQ
(All figures in ₹ Cr )
10% YOY 20% QOQ
0% YOY
999
1,001
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Interest Cost
788
829
795
813
760
4% YOY 6% QOQ
556
445
404
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Q2 FY25
Q1 FY26
Q2 FY26
H1 FY25
H1 FY26
Operating Cost
2,011
2,107
2,073
2,123
2,484
24% YOY
17% QOQ
Key Insights:
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Credit Cost
Credit Cost
1,212
GWO
1,106
Provision
107
1,313 1,354
1,245 1,303
1,352 1,280
72
1,293 1,281
7% YOY
4% QOQ
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
12 Q2 FY26
(41)
(59)
▪
▪
Revenue marginally higher with higher spend based income
COF lower at 6.4% vs 7.1% in previous quarter
▪ Higher Operating cost driven by higher spend based cost towards
campaign & offers and higher corporate pass-back
▪
Credit cost declines to 9.0% vs 9.6% in previous quarter. Continued focus on collections, portfolio action & quality underwriting
10
P&L Summary
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 Yield
COF
NIM
Cost to Income
Credit Cost
ROA
Q2 FY26 Q1 FY26
QoQ
5,136
4,961
2,490
2,471
175
760
2,484
1,892
5,035
4,877
2,493
2,384
158
813
2,123
2,100
1,293
1,352
600
445
748
556
2%
2%
0%
4%
11%
-6%
17%
-10%
-4%
-20%
-20%
YoY
13%
12%
9%
16%
30%
-4%
24%
8%
7%
10%
10%
H1 FY26
10,169
9,838 4,983 4,855 331 1,573
4,603
3,992
2,644
1,348
1,001
YoY
13%
12% 10% 14% 28% 1%
20%
9%
14%
0%
0%
16.5%
6.4%
11.2%
56.8%
9.0%
2.6%
17.0%
7.1%
11.2%
50.3%
9.6%
3.4%
-52 bps
5 bps
16.7%
9 bps
-69 bps
-95 bps
6.8%
-66 bps
1 bps
61 bps
649 bps
339 bps
-58 bps
-75 bps
-2 bps
-4 bps
11.2%
53.6%
9.3%
3.0%
45 bps
242 bps
54 bps
-35 bps
(All figures in ₹ Cr )
Revenue from operations(₹ Cr) (Composition Mix %)
4,421 7%
19%
22%
4,877 6% 19%
24%
4,961 6% 18%
26%
52%
51%
50%
Q2 FY25
Q1 FY26
Q2 FY26
Interest Income Instance Based & Others
Spend Based Subscription Based
11
Asset Quality
Asset Quality
Q2 FY26 Q1 FY26 QoQ
YoY
H1 FY26
YoY
Gross Credit Cost *(A)
-Gross Write off
-Provision
Recoveries (B)
1,293
1,281
12
170
Net Credit Cost (A-B)
1,123
1,195
1,352
-4%
1,280
0%
7%
16%
72
-84%
-89%
157
9%
-6%
28%
4%
Gross Credit Cost %
-Gross Write off %
-Provision %
Net Credit Cost %
PCR %
ECL %
GNPA %
NNPA %
9.0%
8.9%
0.1%
7.8%
9.6%
-58 bps
-2 bps
9.1%
-15 bps
70 bps
0.5%
-43 bps
-71 bps
8.5%
-65 bps
-21 bps
55.4%
54.3%
108 bps
-893 bps
55.4%
-893 bps
3.3%
3.5%
-17 bps
-28 bps
3.3%
-28 bps
2.85%
3.07%
-22 bps
-43 bps
2.85%
-43 bps
1.29%
1.42%
-13 bps
10 bps
1.29%
10 bps
2,644
2,561
83
327
2,318
9.3%
9.0%
0.3%
8.1%
14%
23%
-65%
28%
13%
54 bps
115 bps
-61 bps
36 bps
(All figures in ₹ Cr )
Receivables (₹ Cr) (Composition Mix %)
55,601
56,607
59,845
3.3% 5.7%
91.0%
Q2 FY25
Stage 1
2,005
64.4%
4.2% 1.4% Q2 FY25
3.1% 4.7%
92.2%
Q1 FY26 Stage 2 Provision(₹ Cr) (% of NEA)
1,978 54.3%
21.5%
0.9% Q1 FY26
2.8% 4.2%
93.0%
Q2 FY26 Stage 3
1,989 55.4%
21.7% 0.9% Q2 FY26
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. 13
Portfolio Insight
New Accounts
Salaried Category
Age Profile
By City Tier
i
g n c r u o S w e N
6 2 Y F 2 Q r o F
50%
50%
48%
34%
18%
SBI
Open Market
Govt/PSU Salaried 51%; Self employed 49%
Cat A
Cat B
21%
32%
22%
27%
48%
32%
19%
Under 30
31-45
>45
Tier 1
Tier 2
Tier 3
Others
1.06
60%
e c r o F
- n
i
- s d r a C
5 2
p e S 0 3
n o s A
1.04
42%
0.76
26%
0.56 34%
20%
1.18
40%
0.84
1.00
18%
26%
1.04
35%
0.98
SBI
Open Market
Govt/PSU
Cat A
Cat B
Under 30
31-45
>45
Tier 1
Tier 2
Tier 3
Others
24%
1.08
1.04
54%
21%
0.99
Indexed 30+ delinquency
14
Borrowings & Capital Adequacy
Borrowings & Capital Adequacy
Borrowings Mix
Capital Adequacy
21%
18%
61%
19%
16%
65%
19%
14%
67%
17%
12% 4%
67%
22%
15% 1%
62%
CAR
22.1%
Tier 1
16.3%
22.9%
22.9%
23.2%
22.5%
17.0%
17.5%
17.9%
17.5%
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
WCDL
CP
NCD
TL
COF Trend
Key Comments
7.6%
7.4%
7.5%
7.4%
7.5%
*
7.2%
7.3%
7.1%
6.8%
6.4%
Credit Ratings ▪ ▪
Short Term : A1+ by CRISIL & ICRA Long Term : AAA/Stable by CRISIL & ICRA CRISIL & ICRA
Q2 FY25
Q3 FY25
Q4 FY25
Q1 FY26
Q2 FY26
COF%
Daily Weighted Average
• CAR at comfortable level of 22%+ • Daily weighted average COF down by 51 bps QoQ
*Q4 FY25- Reported COF @ 7.2% (Excluding benefit from one-off lease modification, COF @ 7.3%)
16
ESG
ESG & CSR Update
ENVIRONMENT
SOCIAL
Advancing Energy Efficiency • Continued focus on energy efficiency through periodic
upgrades and installation of energy efficient systems across offices – with recent enhancements in Delhi and Hyderabad – reinforcing our commitment to reducing operational emissions.
GOVERNANCE
Fostering a Culture of Integrity • Organization wide awareness initiatives were undertaken through email communications, interactive quiz, and training sessions to reinforce the Company’s code of conduct and Company values among all employees.
• Mandatory ‘Anti Money Laundering’ training was launched
for all employees to enhance the understanding and awareness.
• Focused on digital resilience through cybersecurity
awareness month, promoting employee awareness on data security and risk mitigation
Technology-led Customer Inclusion • Enhanced digital onboarding through platform integrations and Sprint initiatives with Flipkart, PhonePe & Indigo last quarter,enhancing convenience and reach for customers. • Strengthened eKYC through centralized K-Locker, enabling
paperless, secure eKYC — over 2.5 lakh customers seamlessly onboarded this quarter.
Fostering Employee Engagement • Fostered employee engagement and inclusivity through leadership connects, townhalls and festive celebrations including Ganesh Chaturthi, Onam, Durga Puja, and Navratri across offices reinforcing a sense of belonging and cultural harmony.
Community Support • Extended disaster relief support to flood and landslide
affected regions – reaching 2100 families across districts of Doda & Jammu, 800 families in Mandi district (Himachal Pradesh) and 1000 families in Amritsar & Gurdaspur (Punjab) through distribution of essential relief kits.
Distribution of Relief Kits in Doda & Jammu, Mandi (HP) and Amritsar & Gurdaspur (Punjab) – CSR Pehel Programme
18
Shareholders Summary
Shareholders Summary
Shareholding Pattern, 30th September 2025
Top 20 Shareholders as on 30th September 2025
Insurance 6.75%
Others 1.39%
Resident Individuals 3.10%
MF 10.07%
FPI 10.10%
S. No 1 2 3 4 5 6 7 8 9 10 11 12
13
14 15
16
17 18
19
20
Name of Shareholder
State Bank Of India 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 Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund Zulia Investments Pte. Ltd. Kotak Funds - India Midcap Fund Hsbc Midcap Fund
Pi Opportunities Aif V Llp Vanguard Total International Stock Index Fund Nippon Life India Trustee Ltd- A/C Nippon India Focus Fund Vanguard Emerging Markets Stock Index Fund, A Series Of Vanguard International Equity Index Funds Tata Large And Mid-Cap Fund Nps Trust- A/C Hdfc Pension Fund Management Limited Scheme E - Tier I Nippon Life India Trustee Ltd- A/C Nippon India Banking & Financial Services Fund Hsbc Global Investment Funds - Indian Equity
% 68.59 4.11 1.98 1.61 1.23 1.22 0.87 0.59 0.49 0.48 0.47 0.46
0.45
0.45 0.43
0.41
0.37 0.32
0.31
0.31
20
Promoter Group SBI & Subs. 68.59%
(SBI – 68.59%)
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’25
Sep’25
(All figures in ₹ Cr )
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
57,856 3,333 5,906 656 67,751 277 484 1,350 2,111 69,862
952 13,838 14,789 49,225 4 ,028 53,253 739 1,080 1,820 69,862
22
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
Q2 FY25
Q1 FY26
Q2 FY26
H1 FY25
H1 FY26
(All figures in ₹ Cr )
2,290
1,957
34
140
1
4,421
135
4,556
788
148
0
1,212
149
50
1,664
4,011
545
404
2,493
2,191
26
167
0
4,877
158
5,035
813
187
-
1,352
161
35
1,739
4,287
748
556
2,490
2,265
20
185
0
4,961
175
5,136
760
269
-
1,293
158
35
2,022
4,537
600
445
4,533
3,885
66
293
2
8,780
259
9,038
1,555
294
-
4,983
4,457
46
352
0
9,838
331
10,169
1,573
457
-
2,313
2,644
283
100
3,149
7,694
1,344
999
319
70
3,757
8,820
1,348
1,001
23
Explaining Returns
Q2 FY25
Q1 FY26
Q2 FY26
QoQ
YoY
H1 FY26
YoY
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
15.2%
14.1%
0.9%
30.2%
5.2%
13.3%
11.7%
8.0%
3.6%
0.9%
2.7%
4.7
15.2%
14.6%
1.0%
30.7%
5.0%
13.0%
12.8%
8.2%
4.6%
1.2%
3.4%
4.6
-41 bps
-38 bps
15.0%
-27 bps
14.8%
14.7%
1.0%
17 bps
6 bps
30.5%
-18 bps
58 bps
13 bps
32 bps
14.6%
31 bps
1.0%
12 bps
30.6%
17 bps
4.5%
-44 bps
-71 bps
4.7%
-50 bps
14.8%
182 bps
143 bps
13.8%
97 bps
11.3%
-156 bps
-40 bps
12.0%
-30 bps
-56 bps
-35 bps
-100 bps
-25 bps
-75 bps
-5 bps
-1 bps
-4 bps
7.7%
3.6%
0.9%
2.6%
4.6
17 bps
-47 bps
-12 bps
-35 bps
8.0%
4.1%
1.0%
3.0%
4.6
ROAE
12.5%
15.8%
12.1%
-363 bps
-37 bps
13.9%
-184 bps
24
Product Brief
Super Premium
Core Cards
Co-Brand Cards
Banking
Retail
Travel & Fuel
AURUM
SBI Card Elite
SBI Card PRIME
SBI Card Pulse
Bank of Maharashtra SBI Card
Flipkart SBI Card
Reliance SBI Card
Indigo SBI Card Elite
SimplyCLICK SBI Card SimplySAVE SBI Card
Shaurya Select SBI Card
UCO Bank SBI Card
PhonePe SBI Card SELECT BLACK
Lifestyle Home Centre SBI Card
KrisFlyer SBI Card Apex
Miles Elite SBI Card
Miles Prime Card Miles Select Card
PSB SBI Card
Tata Neu Infinity SBI Card
Titan SBI Card
BPCL SBI Card OCTANE
Doctor’s SBI Card
Cashback SBI Card
Karnataka Bank SBI Card
Apollo SBI Card SELECT
Paytm SBI Card SELECT
IRCTC SBI Card Premier
25
Market Share
Dominant credit card player in India
CARDS IN FORCE
SPENDS
TRANSACTIONS
19.7%
18.6%
19.0%
19.0%
18.2%
17.8%
15.7%
16.8%
18.2%
17.0%
16.7%
17.6%
FY23
FY24
FY25
FY26*
FY23
FY24
FY25
FY26*
FY23
FY24
FY25
FY26*
*As per RBI report available till Aug’25
26
Recent Developments
Launch of 3 Marquee Co-brand Products
• PhonePe SBI Card – With a Value Back of up to 10% on spends done through PhonePe App, the product rewards customers on their everyday spending and is available in two variants – PhonePe SBI Card PURPLE and PhonePe SBI Card SELECT BLACK.
• Flipkart SBI Card – With up to 7.5% Cashback on spends, this lifestyle e-comm focused co-branded credit card is designed to boost affordability and Cashback rewards across Flipkart, Myntra, Shopsy and Cleartrip.
•
IndiGo SBI Card – The premium airline co-branded credit card offers reward earnings on instore, hotel & travel spends in the form of IndiGo BluChips, redeemable on the IndiGo App/Web. The card is available in two variants – IndiGo SBI Card and IndiGo SBI Card ELITE.
Promotion through high-impact digital campaigns
Executed digital campaigns for PhonePe SBI Card, Flipkart SBI Card, and IndiGo SBI Card. Each campaign was crafted to build intrigue, highlight key benefits, and drive maximum clicks—capturing strong interest across target audiences.
Targeted regional Campaign’s in South & East
4-Week campaign to increase the brand visibility & awareness across South & East markets (Period: Aug-Sep).
• 30+ Print Ads across major regional
publications
• 200+ OOH sites including impact sites &
transit mediums.
Hyper Personalization Phase 1A – SBI Card App
Integration of Oracle Responsys Platform to send rich and personalized mobile push & in-app app notifications. Key features includes Event & Offer Based Notification and Cross-Channels Orchestration.
27
Awards and Recognitions
SBI Card was awarded at the prestigious 3rd National PoSH Conclave and Excellence Awards 2025 under the Comprehensive Compliance Category. This is a recognition for commendable record of close to nil complaints in past two FY.
SBI Card won the Prestigious CII National Artificial Intelligence (AI) Award at the AI Summit 2025, in New Delhi. This award reflects our digital innovation and operation excellence behind the revamped SBI Card Mobile App.
SBI Card was presented with ‘True Innovator’ Award during an industry wide meeting True Innovator Dialogues – 2025 hosted by TrueCaller in Gurugram. This felicitation was to accolade our initiatives in transforming the customer experience with innovative and responsible solutions.
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Glossary
Term
New Accounts
Card-in-force
Spends
Retail Spends
Sum of all accounts opened in a reporting period.
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.
Description
Corporate Spends
Total corporate spends constitutes the aggregate notional amounts (POS/online) transacted by our corporate entity cardholders in a reporting period.
Receivables
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-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 receivables 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 offs and incremental provisions 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 profit after tax divided by average total assets for the period (annualized).
Calculated as profit after tax divided by the average shareholders’ equity for the period (annualized).
Calculated as Stage 3 receivables divided by total receivables at the end of the period
Calculated as Stage 3 receivables after subtracting provision of stage 3 divided by total receivables less stage 3 provision for the period
Calculated as total provision divided by total receivables at the end of the period
Shareholders’ equity
Shareholders’ equity is defined as sum of share capital, reserves and surplus excluding reserves created out of amalgamation.
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Disclaimer
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.
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Thank you