RBL Bank Limited

rs,

October 22, 2022 BSE Limited, 1st Floor, Phiroze Jeejeebhoy Towers, Dalal Street, Mumbai – 400001 Script Code: 540065 National Stock Exchange of India Limited, Exc

1 CRORE

nefit of a U.S. person. ALL FIGURES IN THIS DOCUMENT ARE IN INR CRORE UNLESS MENTIONED OTHERWISE ; 1 CRORE = 10 MILLION 2 Glossary and Key Notes AEPS Agri API ATM BC Bps BVPS C&IB CAGR CASA CB CBDT CC CE

10 MILLION

U.S. person. ALL FIGURES IN THIS DOCUMENT ARE IN INR CRORE UNLESS MENTIONED OTHERWISE ; 1 CRORE = 10 MILLION 2 Glossary and Key Notes AEPS Agri API ATM BC Bps BVPS C&IB CAGR CASA CB CBDT CC CEO CET1 Cr CRA

1 Crore

mercial Banking Central Board for Direct Taxes Credit Card Chief Executive Officer Core Equity Tier 1 Crore Capital to Risk Weighted Assets Ratio Corporate Social Responsibility Fixed Income, Currency and Co

4.5%

PCR Provision Coverage Ratio 3 RBL Bank Q2 FY23 Snapshot Improving Financial Metrics ▪ NIM at 4.5%, improved by 19bps sequentially ▪ Other Income 35.4% of Total Income ▪ Core Fee Income 33% of

19bps

verage Ratio 3 RBL Bank Q2 FY23 Snapshot Improving Financial Metrics ▪ NIM at 4.5%, improved by 19bps sequentially ▪ Other Income 35.4% of Total Income ▪ Core Fee Income 33% of Total Income at

35.4%

pshot Improving Financial Metrics ▪ NIM at 4.5%, improved by 19bps sequentially ▪ Other Income 35.4% of Total Income ▪ Core Fee Income 33% of Total Income at Rs. 544 crore ▪ Net Profit grew 7 ti

33%

t 4.5%, improved by 19bps sequentially ▪ Other Income 35.4% of Total Income ▪ Core Fee Income 33% of Total Income at Rs. 544 crore ▪ Net Profit grew 7 times YoY to Rs. 202 crore Healthy Capit

Rs. 544 crore

sequentially ▪ Other Income 35.4% of Total Income ▪ Core Fee Income 33% of Total Income at Rs. 544 crore ▪ Net Profit grew 7 times YoY to Rs. 202 crore Healthy Capitalisation and Liquidity Levels ▪

Rs. 202 crore

Income ▪ Core Fee Income 33% of Total Income at Rs. 544 crore ▪ Net Profit grew 7 times YoY to Rs. 202 crore Healthy Capitalisation and Liquidity Levels ▪ CRAR at 17.4% and CET 1 at 15.9% ▪ Average LCR

17.4%

Profit grew 7 times YoY to Rs. 202 crore Healthy Capitalisation and Liquidity Levels ▪ CRAR at 17.4% and CET 1 at 15.9% ▪ Average LCR at 156% for the quarter Diversified Advances with Growing R

15.9%

oY to Rs. 202 crore Healthy Capitalisation and Liquidity Levels ▪ CRAR at 17.4% and CET 1 at 15.9% ▪ Average LCR at 156% for the quarter Diversified Advances with Growing Retail ▪ Total Advan

Note

1

Branches

1

Note

• In the bureau, higher uptick seen in industry delinquency rates in Dec’20-Feb’21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. • Second instance of uptick seen in industry delinquency rates in Jul’21-Aug’21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer Source : TransUnion / CIBIL 38 Tighter risk measures on new acquisition – lowering risk in the portfolio Lower value @ risk for same number delinquency vs industry* Higher proportion of low risk clients 5.0 4.5 4.0 3.5 3.0 2.5 2.0 1.5 1.0 0.5 0.0 1.92 1.66 1.50 1.32 1.37 1.51 1.50 2.03 1.81 1.59 1.86 1.26 0.92 0.90 0.89 0.62 0.71 0.75 80% 70% 60% 50% 40% 30% 20% 10% 0% Pre-Covid Post-Covid Apr'19 Jun'19Sep'19Jun'20Sep'20Dec'20Mar'21 Jun'21 Dec'21 Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk Industry RBL Sharper exposure management across risk bands leading to lowe

Branches

• Micro Banking Branches : 1,165 • RBL Finserve Branches: 821 • Banking Outlets: 289 41 Post Implementation of New RBI MF regulations Disbursements have reached 800 Crs per month Micro-Banking Portfolio Concentration Top-3 & Top-5 Portfolio Contribution 54% 37% 61% 45% 63% 51% Mar'2021 Mar'2022 Sept'2022 Top-3 Top-5 Industry Comparison-Top3 & Top5 State Concentration 64% 64% 49% 45% 55% 37% RBL Peers Industry State Name % of Portfolio Sept’22 % of Portfolio Mar’22 % of Portfolio Mar’21 % of Portfolio Mar’20 Bihar Rajasthan Uttar Pradesh Haryana Tamil Nadu Karnataka Odissa Madhya Pradesh Gujarat Jharkhand West Bengal Maharashtra Punjab Kerala Uttarakhand Chhattisgarh Tripura Assam Goa Puducherry Himachal Pradesh Jammu & Kashmir Meghalaya Grand Total 22.7% 14.4% 13.5% 6.0% 6.0% 5.1% 5.1% 4.7% 4.4% 4.3% 4.2% 3.6% 3.3% 0.9% 0.5% 0.4% 0.2% 0.2% 0.2% 0.2% 0.1% 0.0% 0.0% 100.0% 18.9% 14.7% 11.2% 5.7% 9.2% 6.4% 4.0% 4.7% 4.8% 3.1% 4.9% 5.3% 2.9% 1.2% 0.6% 0.6% 0.4% 0.5% 0.3% 0.3% 0.1% 12.8% 10