Disclosure under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 - Investor Presentation for Q1 FY'27

AI summary - Cards-in-force grew 7% YoY to 2.26 Cr; new accounts crossed 1 Mn in Q1 FY27 - Revenue from operations increased 2% QoQ and 3% YoY to ₹5,041 Cr - PAT rose 9% QoQ and 20% YoY to ₹664 Cr, driven by improved credit cost - Gross credit cost declined to 6.5% from 7.7% QoQ; GNPA improved to 2.04% - ROAE improved to 16.5% and ROAA to 3.9% in Q1 FY27 - Cost to income ratio increased to 58.7% QoQ - UPI spends on Rupay cards grew over 13% QoQ with strong growth in travel and consumer durables - Capital adequacy ratio remained comfortable at 25.6% with AAA/Stable credit ratings - ESG initiatives include 58% reduction in Scope 2 emissions vs 2019 baseline and 21% recycled plastic in cards issued