Press Release

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Performance Highlights Q1 FY27 • Total Revenue increased by 3% YoY at 5,205 Cr in Q1 FY27 v/s 5,035 Cr in Q1 FY26 • PAT at 664 Cr in Q1 FY27 v/s 556 Cr in Q1 FY26 • ROAA at 3.9% in Q1 FY27 v/s 3.4% in Q1 FY26 • ROAE at 16.5% in Q1 FY27 v/s 15.8% in Q1 FY26 • Capital Adequacy Ratio at 25.6%; Tier 1 at 20.3% Business Highlights • • Cards-in-force grew by 7% YoY at 2.26 Cr as of Q1 FY27 v/s 2.12 Cr in Q1 FY26 • New accounts volume at1 ,023K in Q1 FY27 v/s 873K in Q1 FY26 • Spends grew by 27% YoY at 118,475 Cr in Q1 FY27 v/s 93,244 Cr in Q1 FY26 • Receivables grew by 3% YoY at 58,269 Cr in Q1 FY27 v/s 56,607 Cr in Q1 FY26 • Market share for Q1 FY27 Card-in-force is at 18.6% (Q1 FY26: 19.1 %}, Spends is at 19.5% (Q1 FY26: 16.6%}, #2 for Cards-in-force, spends, and transactions in industry Profit & Loss Account for the Quarter ended June 30, 2026 • Total income increased by 3% to 5,205 Cr in Q1 FY27 v/s z 5,035 Cr in Q1 FY26. This movement was a result of the following key factors: o. Interest income decreased by 3% to 2.421 Cr in Q1 FY27 v/s z 2.493 Cr in Q1 FY26 o Fees and other revenue was up by 10% at 2,620 Cr in Q1 FY27 v/s 2,384 Cr in Q1 FY26 • Finance costs decreased by 8% to 745 Cr in Q1 FY27 v/s z 813 Cr in Q1 FY26 • Total operating cost increased by 23% to 2,620 Cr in Q1 FY27 v/s z 2,123 Cr in Q1 FY26 • Earnings before credit costs decreased by 12% to 1;841 Cr in Q1 FY27 v/s z 2,100 Cr in Q1 FY26 • Impairment losses & bad debts expenses decreased by 30% to 948 Cr in Q1 FY27 v/s z 1,352 Cr in Q1 FY26 • Profit after tax was up by 20% at 664 Cr in Q1 FY27 v/s 556 Cr in Q1 FY26 Page ll 3 OSBl card Balance Sheet as of June 30, 2026 • Total Balance Sheet size as of June 30, 2026, has been ~69,707 Cr as against ~66,328 Cr as of March 31, 2026 • Total Gross Advances (Credit card receivables) as of June 30, 2026, were ~58,269 Cr, as against ~56,926 Cr as of March 31, 2026 • Net worth as of June 30, 2026, has been ~16,463 Cr as against ~15,797 Cr as of March 31, 2026 Asset Quality The Gross non-performing assets were at 2.04% of gross advances as of June 30, 2026, as against 3.07% as of June 30, 2025. Net non-performing assets were at 0.83% as of June 30, 2026, as against 1.42% as of June 30, 2025. Capital Adequacy As per the capital adequacy norms issued by the RBI, Company's capital to risk ratio consisting of Tier I and Tier II capital should not be less than 15% of its aggregate risk weighted assets on - balance sheet and of risk adjusted value of off-balance sheet items. As of June 30, 2026, Company's CRAR was 25.6% compared to 23.2% as of June 30, 2025. The Tier I capital in respect of an NBFC-ND-SI, at any point of time, can't be less than 10%. Company's Tier I capital was 20.3% as of June 30, 2026, compared to 17 .9% as of June 30, 2025. Rating CRISIL Long Term AAA/Stable CRISIL Short Term - A1+ ICRA Long Term AAA/Stable ICRA Short Term A1+ Summary Profit and Loss Statement (' Cr) Description Ql FY26 Q4 FY26 Ql FY27 QoQ YoY Interest Income 2,493 2,382 2,421 2% -30/o Non-Interest Income 2,384 2,553 2,620 3% 100/o (Fees, commission income & others) Total Revenue from operations 4,877 4,935 5,041 2% 3% Total Other Income 158 252 165 -350/o 4% Total Income 5,035 5,187 5,205 0% 3% Finance costs 813 714 745 4% -80/o Operating Costs 2,123 2,561 2,620 2% 230/o Earnings before credit costs 2,100 1,913 1,841 -4% -12% Impairment losses & bad debts 1,352 1,097 948 -14% -300/o Profit before tax 748 816 893 9% 19% Profit after tax 556 609 664 9% 20% Page 2 I 3 OSDl card Summary Balance Sheet (f Cr) Description Mar'26 Jun'26 Assets Loans (Net of provisions) 54,984 56,392 Cash & Bank Balances 2,320 3,983 Investments 6,374 6,686 Other Financial Assets & Trade Receivables 598 655 Total non-financial Assets 2,052 1,991 Total Assets 66,328 69,707 Liabilities and Equity Total Equity 15,725 16,391 Borrowings, Subordinated Liabilities & Debt Securities 44,064 47,176 Other financial liabilities 4,565 4,112 Total non-financial liabilities 1,974 2,028 Total liabilities and equity 66,328 69,707 About SBI Card SBI Cards and Payment Services Limited {"SBI Card") is a non-banking financial company that offers extensive credit card portfolio to individual cardholders and corporate clients which includes lifestyle, rewards, travel & fuel, and banking partnerships cards along with corporate cards covering all major cardholders' segments in terms of income profile and lifestyle. The brand has a wide base of over 22.6 MM+ cards in force as of June'26. SBI Card has a diversified customer acquisition network that enables to engage prospective customers across multiple channels. The Company is listed on National Stock Exchange {"NSE") and The Bombay Stock Exchange {"BSE"). P.S. The brand name of the company is 'S81 Card' and it is registered in the name of 'S81 Cards and Payment Services Limited'. The company trades under the entity name 'SBICARD' on stock exchanges. For investor queries please email investor.relations@sbicard.com For further press queries please contact: S81 Card Perfect Relations for S81 Card Vishal Tyagi Shilpa Abraham vishal.tyagi1@sbicard.com M: + 91 7907431859 shilpa.abraham@perfectrelations.com Page 3 l 3