New Delhi, 28 October 2021: The Board of Directors of SBI Cards and Payment Services Limited approved the Company’s results for the quarter and half year ended September 30, 2021, at their meeting held on Thursday, October 28, 2021. Performance Highlights Q2 FY22 • Total Revenue increased by 7% YoY to ₹2,695 Cr for Q2 FY22 • Profit after tax increased by 67% YoY to ₹345 Cr for Q2 FY22 • ROAA at 4.9% for Q2 FY22 vs. 3.4% for Q2 FY21 • ROAE at 20.1% for Q2 FY22 vs. 14.1% for Q2 FY21 • Capital Adequacy Ratio at 25.0%; Tier 1 at 21.8% Key Metrics • New accounts volume at 953k for Q2 FY22 up by 39% as compared to 688k for Q2 FY21 • Card-in-force grew by 14% to 1.26 Cr as of Q2 FY22 vs 1.10 Cr as of Q2 FY21 • Retail spends grew by 41% to ₹ 35,070 Cr in Q2 FY22 vs ₹ 24,863 Cr in Q2 FY21 • Corporate Spends grew by 80% to ₹ 8,491 Cr in Q2 FY22 vs ₹ 4,728 Cr in Q2 FY21 • Market share H1 FY22 (available till Aug’21) – Card-in-force at 19.4% (FY21: 19.1%); Spends at 19.0% (FY21: 19.4%); Transa