Sbi Cards And Payment Services Limited has informed the Exchange about Investor Presentation
April 27, 2026
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, 2026.
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 & Company Secretary Date & Time of event: - April 27, 2026 at 02:33 PM
Encl:.aa
SBI 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
Q4 – 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
2
Key Highlights
FY26 at a glance
Business Volumes
Income/ Profits
Asset Quality
Profitability ratios
GNPA Significantly lower @2.41 %, PAT 13% YoY
New Accounts - 12% →
4,092K FY25
3,590K FY26
Total Spends + 29% ₹ 333,480 Cr → ₹ 430,359 Cr
FY25
FY26
Receivables + 2% ₹ 55,840 Cr → ₹ 56,926 Cr
Mar 25
Mar 26
Total Income + 11% ₹ 18,637 Cr → ₹ 20,708 Cr
FY25
FY26
EBCC + 6% ₹ 7,452 Cr → ₹ 7,876 Cr
FY25
FY26
PAT +13% ₹ 1,916 Cr → ₹ 2,167 Cr
FY25
FY26
GCL % - 34 bps →
9.0 % FY25
ROAA +11 bps →
3.1% FY25
8.6% FY26
3.08 % Mar 25
GNPA % - 67 bps →
2.41% Mar 26
3.4% Mar 25
ECL % - 39 bps →
3.0% Mar 26
3.2% FY26
14.6% FY25
ROAE -5 bps →
14.6% FY26
EPS (Basic) +13 % →
₹ 20.15 FY25
₹ 22.77 FY26
4
Key Highlights for Q4 FY26
Key Highlights for Q3FY23
Profitability driven by improved Credit cost
New A/cs
9.17 lacs 17% YoY 6%QoQ
CIF
2.21 Cr 6% YoY 1% QoQ
Spends
₹ 115,350 Cr 31% YoY 1% QoQ
Receivables
₹ 56,926 Cr 2% YoY 0% QoQ
PAT
₹ 609 Cr 14%YoY 9% QoQ
Cost to Income
57.2% 589 bps YoY 39 bps QoQ
ROAA
3.6% 29 bps YoY 41 bps QoQ
ROAE
15.6% 8 bps YoY 85 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%
7.7% 128 bps YoY 55 bps QoQ
GNPA
2.41% 67 bps YoY 46 bps QoQ
NNPA
1.04% 42 bps YoY 24 bps QoQ
CAR
25.5% 261 bps YoY 110 bps QoQ
5 5
Portfolio Growth
Key Business Metrics
New Accounts (Lacs)
Cards-in-force (Cr)
Receivables (₹ Cr)
11.09
8.73
9.36
8.64
9.17
17% YOY 6% QOQ
6% YOY 1% QOQ
2% YOY 0% QOQ
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Retail Spends (₹ Cr)
13% YOY 2% QOQ
2.18
2.21
55,840
57,213
56,926
2.08
79,709
82,404
89,611
91,962
89,786
Q4 FY25
Q3 FY26
Q4 FY26
Q4 FY25
Q3 FY26
Q4 FY26
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
▪ New accounts sourcing at 917k+
Key Insights:
Corporate Spends (₹ Cr)
8,656
10,840
▪ Retail Spends continue to grow at 13 %YoY; Corporate spends
195% YOY
12% QOQ
increasing profitably
17,452
22,739
25,564
▪
IBNEA at 54% of Overall Receivables.
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
7
Portfolio Growth
Spend per Card (₹ ‘000)
Receivable per Card (₹)
172
155
177
157
201
212
210
168
170
164
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Ret+Corp
Ret
30-day Retail spend active rate %
51%
52%
53%
53%
52%
26,816
26,710
27,832
26,233
25,762
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Receivables(₹ Cr)/Mix %
55,840
56,607
59,845
56,926 57,213 Interest Earning Receivables
59%
35%
24%
41%
36%
24%
40%
34%
22%
44%
56%
34%
23%
54%
32%
22%
44%
46%
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Transactor
Revolver
EMI
88
Retail Spends Insights
Online Spend %
62.5%
Spends Categories
Total Spends
% Growth^ POS Spends
Online Spends
56.9%
57.9%
58.9%
54.4%
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
3%
17%
3%
11%
3%
30%
104%
0%
161%
FY22
FY23
FY24
FY25
FY26
^FY26 Over FY25 | 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+
23%
77%
19%
81%
Rs. 17.7K
Rs. 22.4K
• •
Q4 FY26 vs Q3 FY26 – Over 10% growth in UPI spends Top 5 Categories for UPI Spends : Departmental Stores & Grocery | Fuel | Utilities | Apparel | Restaurant
9
*Active UPI users on Rupay Card Base of Mar’26
Financial Update
Key Financials
Revenue from operations
PAT Trend
4,674
4,877
4,961
5,127
4,935
6% YOY 4% QOQ
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Interest Cost
534
557
795
813
760
785
714
10% YOY 9% QOQ
(All figures in ₹ Cr )
13% YOY
2,167
1,916
14% YOY 9% QOQ
609
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Q4 FY25
Q3 FY26
Q4 FY26
FY25
FY26
Operating Cost
2,073
2,123
2,484
2,597
2,561
24% YOY
1% QOQ
Key Insights:
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
▪ Higher PAT driven by improved credit cost
Impairment on financial Instruments
▪
Lower operating cost QoQ mainly due to lower spend based cost
Credit Cost
1,245
GWO
1,303
Provision
(59)
1,352 1,280
72
1,293 1,281
12
Q4 FY25
Q1 FY26
Q2 FY26
1,222 1,220
(0) Q3 FY26
*1,097 1,145
(47)
Q4 FY26
12% YOY
10% QOQ
▪ Credit cost declines to 7.7% vs 8.3% in last quarter
*Includes Gross Credi cost of Rs 1098 Cr
11
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
Q4 FY26 Q3 FY26
QoQ
5,187
4,935
2,382
2,553
252
714
2,561
1,913
5,353
5,127
2,536
2,591
226
785
2,597
1,971
-3%
-4%
-6%
-1%
12%
-9%
-1%
-3%
1,097
1,222
-10%
816
609
749
557
9%
9%
YoY
7%
6%
-1%
13%
60%
-10%
24%
-3%
-12%
14%
14%
16.2%
6.4%
11.1%
57.2%
7.7%
3.6%
16.3%
6.5%
11.0%
56.8%
8.3%
3.2%
-14 bps
-15 bps
5 bps
-84 bps
-82 bps
-10 bps
39 bps
589 bps
-55 bps
-128 bps
41 bps
29 bps
FY26
20,708
19,900 9,901 9,999 808 3,072
9,760
7,876
4,962
2,913
2,167
16.5%
6.7%
11.2%
55.3%
8.6%
3.2%
YoY
11%
10% 6% 15% 43% -3%
22%
6%
2%
13%
13%
-20 bps
-71 bps
31 bps
355 bps
-34 bps
11 bps
Revenue from operations(₹ Cr) (Composition Mix %)
(All figures in ₹ Cr )
4,674 7%
19%
23%
5,127 6% 17%
27%
4,935 6% 18%
28%
52%
49%
48%
Q4 FY25
Q3 FY26
Q4 FY26
Interest Income Instance Based & Others
Spend Based Subscription Based
12
Asset Quality
(All figures in ₹ Cr )
56,926
2.4% 3.7%
Asset Quality
Gross Credit Cost *(A)
-Gross Write off
-Provision
Recoveries (B)
Net Credit Cost (A-B)
Gross Credit Cost %
-Gross Write off %
-Provision %
Net Credit Cost % ##
PCR %
##
ECL %
GNPA %
##
NNPA %
Q4 FY26 Q3 FY26
QoQ
YoY
FY26
YoY
Receivables (₹ Cr) (Composition Mix %)
55,840
57,213
1,098
1,145
(47)
189
909
7.7%
8.0%
-0.3%
6.4%
1,220
-10%
-12%
1,220
-6%
-12%
-20%
-
11%
23%
(0)
170
4,962
4,926
36
686
1,049
-13%
-17%
4,276
8.2%
8.2%
0.0%
7.1%
-55 bps
-128 bps
-22 bps
-137 bps
-33 bps
9 bps
-72 bps
-149 bps
8.6%
8.6%
0.1%
7.4%
2%
4%
-74%
24%
-1%
-34 bps
-14 bps
-19 bps
-51 bps
57.6%
56.1%
152 bps
412 bps
57.6%
412 bps
3.0%
2.41%
1.04%
3.3%
-24 bps
-39 bps
2.86%
-46 bps
-67 bps
1.28%
-24 bps
-42 bps
3.0%
2.41%
1.04%
-39 bps
-67 bps
-42 bps
3.1% 5.0%
91.9%
Q4 FY25
Stage 1
1,906 53.5%
19.2% 0.9% Q4 FY25
2.9% 3.9%
93.2%
93.9%
Q3 FY26 Stage 2 Provision(₹ Cr) (% of NEA)
#
1,989 ## 56.1%
## 22.6% 0.8% Q3 FY26
##
Q4 FY26 Stage 3
^
1,942 ## 57.6%
## 22.2%
##
0.9% Q4 FY26
*Excludes impairment on other financial assets Includes additional provision of Rs 121 Cr as of 31st Dec 2025 and # ^ includes additional provision of Rs 220 Cr as of 31st March 2026 ## ECL rates as per the ECL model
Stage 1
Stage 2
Stage 3
Stage 2: 30-89 DPD and High Risk, Overlimit and Linked Accounts. Stage 3: 90-179 DPD and Settled, Restructured, Deceased and Linked Accounts. 1414
Portfolio Insight
i
g n c r u o S w e N
6 2 Y F 4 Q r o F
54%
New Accounts
Salaried Category
Age Profile
By City Tier
39%
46%
41%
20%
30%
20%
30%
SBI
Open Market
Govt/PSU
Cat A
Cat B
Under 30
31-45
>45
Tier 1
Tier 2
Tier 3
Others
20%
50%
30%
20%
1.03
64%
e c r o F
- n
i
- s d r a C
6 2 r a M 1 3
n o s A
36%
0.92
1.02
42%
0.80
0.56 34%
26%
19%
1.16
24%
1.07
1.04
55%
1.02
18%
27%
1.04
34%
0.96
0.99
21%
SBI
Open Market
Govt/PSU
Cat A
Cat B
Under 30
31-45
>45
Tier 1
Tier 2
Tier 3
Others
Indexed 30+ delinquency
15
Borrowings & Capital Adequacy
Borrowings & Capital Adequacy
Borrowings Mix
Capital Adequacy
19%
14%
67%
17%
12% 4%
67%
22%
15% 1%
62%
23%
14%
63%
24%
15%
61%
22.9%
CAR
Tier 1
17.5%
23.2%
22.5%
24.4%
25.5%
17.9%
17.5%
19.1%
20.0%
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
WCDL
CP
NCD
TL
COF Trend
Key Comments
7.5%
*
7.2%
7.3%
7.1%
6.8%
6.4%
6.7%
6.5%
6.6%
6.4%
Credit Ratings ▪ ▪
Short Term : A1+ by CRISIL & ICRA Long Term : AAA/Stable by CRISIL & ICRA CRISIL & ICRA
Q4 FY25
Q1 FY26
Q2 FY26
Q3 FY26
Q4 FY26
COF%
Daily Weighted Average
• CAR at comfortable level of 25%+ • Daily weighted average COF down by 12 bps QoQ
*Q4 FY25- Reported COF @ 7.2% (Excluding benefit from one-off lease modification, COF @ 7.3%)
17
ESG
ESG & CSR Update
E 16.89% credit cards issued are RPVC (FY2025-26)
2.3Lac+ trees saved in FY2025-26 through paperless customer communication
S
G
>27% women representation in workforce.
43% women representation in Board of Directors
ESG Ratings Overview (FY2024 vs FY2025)
DJSI
1.83 lakhs hours of employee trainings delivered, focusing on: • •
Digital Skills Leadership Skills
Conducted company wide cyber awareness initiatives covering all employees
34 ↑ 45 (Top 14% in Diversified Financial Sector)
Corporate Social Responsibility (CSR) Initiatives
ceremony
Convocation candidates trained in Healthcare domain in partnership with Healthcare Sector Skill Council
for
Women’s Day celebration with SHG women supported in partnership with Manjari Foundation
Inauguration of community library set up in collaboration with Zila Parishad Dholpur and Eco needs Foundation
SES
78.3 ↑ 79.7
Sustainalytics
16.5 ↓ 14.4 (lower = better)
FTSE Russell (FTSE4Good)
3.8 ↑ 4.3
19
Shareholders Summary
Shareholders Summary
Shareholding Pattern, 31st March 2026
Top 20 Shareholders as on 31st March 2026
Insurance 6.55%
Others 1.47%
Resident Individuals 2.87%
MF 10.65%
FPI 9.54%
Promoter Group SBI & Subs. 68.92%
(SBI – 68.58%)
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 Icici Prudential Multi-Asset Fund Icici Prudential Large & Mid Cap Fund Life Insurance Corporation Of India Government Pension Fund Global Nippon Life India Trustee Ltd-A/C Nippon India Multi Cap Fund Tata Indian Opportunities Fund Icici Prudential Banking And Financial Services Fund Icici Prudential India Opportunities Fund Zulia Investments Pte. Ltd. Nippon Life India Trustee Ltd- A/C Nippon India Focus Fund
Tata Large And Mid-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 Banking & Financial Services Fund Nippon Life India Trustee Ltd-A/C Nippon India Large Cap Fund Kotak Funds - India Midcap Fund Nps Trust- A/C Hdfc Pension Fund Management Limited Scheme E - Tier I
% 68.58 4.11 2.14 2.02 1.98 1.19 0.87 0.59 0.50 0.49 0.48 0.47
0.46 0.46 0.44
0.43
0.41 0.38 0.38 0.37
21
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
Mar’26
(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
54,984 2,320 6,374 598 64,275 231 473 1,348 2,052 66,328
952 14,774 15,725 44,064 4,565 48,628 808 1,166 1,974 66,328
23
Profit & Loss Statement
(All figures in ₹ Cr )
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
Q4 FY25
Q3 FY26
Q4 FY26
2,415
2,093
27
138
1
4,674
158
4,832
795
195
1,245
154
(2)
1,725
4,113
719
534
2,536
2,367
21
202
2
5,127
226
5,353
785
347
1,222
184
34
2,032
4,604
749
557
2,382
2,343
6
203
1
4,935
252
5,187
714
409
1,097
158
32
1,961
4,371
816
609
FY25
9,347
8,003
126
592
3
18,072
565
18,637
3,178
633
4,872
590
147
6,637
16,056
2,581
1,916
FY26
9,901
9,166
73
757
3
19,900
808
20,708
3,072
1,213
4,962
661
136
7,750
17,794
2,913
2,167
24
Explaining Returns
Q4 FY25
Q3 FY26
Q4 FY26
QoQ
YoY
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
15.1%
14.2%
1.0%
30.3%
5.0%
13.0%
12.3%
7.8%
4.5%
1.2%
3.4%
4.6
14.7%
15.4%
1.0%
31.1%
4.6%
15.1%
11.5%
7.1%
4.4%
1.1%
3.2%
4.6
-51 bps
-92 bps
14.8%
-46 bps
14.2%
15.6%
1.1%
25 bps
14 bps
31.0%
-11 bps
144 bps
15.1%
86 bps
17 bps
68 bps
1.0%
12 bps
30.9%
52 bps
4.3%
-30 bps
-72 bps
4.6%
-60 bps
15.3%
11.4%
6.6%
4.9%
1.2%
3.6%
4.3
21 bps
-3 bps
230 bps
-89 bps
-55 bps
-126 bps
52 bps
12 bps
41 bps
37 bps
8 bps
29 bps
14.6%
151 bps
11.7%
-39 bps
-54 bps
14 bps
3 bps
11 bps
7.4%
4.3%
1.1%
3.2%
4.5
ROAE
15.5%
14.7%
15.6%
85 bps
8 bps
14.6%
-5 bps
25
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
Landmark Rewards SBI Card PRIME
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
Karnataka Bank SBI Card
Cashback SBI Card
Apollo SBI Card SELECT
Paytm SBI Card SELECT
IRCTC SBI Card Premier
26
Market Share
Dominant credit card player in India
CARDS IN FORCE
SPENDS
TRANSACTIONS
19.7%
18.6%
19.0%
18.6%
18.2%
17.8%
18.1%
18.2%
15.7%
17.0%
16.7%
17.7%
FY23
FY24
FY25
FY26*
FY23
FY24
FY25
FY26*
FY23
FY24
FY25
FY26*
*As per RBI report Mar’26
27
Recent Developments
BRAND VISIBILITY INITIATIVES
AURUM Advertising @ Mumbai Airport, T2
To cater to frequent air travelers, a large format outdoor site was strategically placed at T2 Departure, Mumbai Airport during the peak travel season in Jan 2026 for 4 weeks.
SBI Card Website Revamp
Redesigned the SBI Card website to deliver a seamless & intuitive customer experience.
With mobile-first approach, the revamped website offers easy browsing on mobile devices, and a more simplified card selection journey for the users.
Pulse Card Promotion Campaign in Bengaluru
SBI Card Amazon Republic Day Offer
3-week outdoor campaign executed in Bengaluru to promote SBI Card Pulse among young working professionals & fitness enthusiast: • 100+ Bus shelters covering key city routes, IT
hubs and key markets
• 100 screens across Corporate Parks.
Partnered with Amazon during the Great Republic Day Sale, where SBI Credit Cardholders could avail 10% instant discount on products across Amazon India website/mobile app.
Extensive offer visibility by Amazon through deployment of digital media across channels.
2828
Awards and Recognitions
SBI CARD recognized as SUPERBRAND, 2025-26 in the Credit Card category. The award is a testimonial of Brand’s commitment, consistency and customer-first approach.
SBI Card awarded at the ECONOMIC TIMES GREAT INDIA RETAIL AWARDS 2026. for Excellence in Experiential Marketing – Retail Kiosks Program.
SBI Card won the ‘Best Usage of Local Hunter Rules’ award at the prestigious Experian Hunter CUG Symposium 2026. Winning among 150+ financial institutions, this national level accolade reflects the effectiveness of our Credit & Fraud Risk Management framework.
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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