RBL Bank Limited

rs,

April 29, 2023 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

17%

verage Ratio 3 Key Drivers of Business Performance in Q4 FY23 Strong Advances Growth - Growth of 17% YoY and 5% sequentially; driven by Retail Advances Growth of 21% YoY and 8% sequentially Highest

5%

3 Key Drivers of Business Performance in Q4 FY23 Strong Advances Growth - Growth of 17% YoY and 5% sequentially; driven by Retail Advances Growth of 21% YoY and 8% sequentially Highest ever Quarte

21%

trong Advances Growth - Growth of 17% YoY and 5% sequentially; driven by Retail Advances Growth of 21% YoY and 8% sequentially Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and

8%

es Growth - Growth of 17% YoY and 5% sequentially; driven by Retail Advances Growth of 21% YoY and 8% sequentially Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to

37%

rowth of 21% YoY and 8% sequentially Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to Rs. 271 crore; PAT for FY23 was Rs. 883 crore vs Loss of Rs. 75 crore for FY22

30%

YoY and 8% sequentially Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to Rs. 271 crore; PAT for FY23 was Rs. 883 crore vs Loss of Rs. 75 crore for FY22 ROA at 1.00

Rs. 271 crore

sequentially Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to Rs. 271 crore; PAT for FY23 was Rs. 883 crore vs Loss of Rs. 75 crore for FY22 ROA at 1.00% vs 0.78% for Q3 FY23

Rs. 883 crore

erly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to Rs. 271 crore; PAT for FY23 was Rs. 883 crore vs Loss of Rs. 75 crore for FY22 ROA at 1.00% vs 0.78% for Q3 FY23 NIM above 5% led by Optimal Ba

Indo Nepal Remittances

1

Note

1

Branches

1

Indo Nepal Remittances

~6.41% growth in transactions value QOQ AEPS : ~20% growth in transactions value QOQ. ~ Commenced digital on- boarding through Bio-Metric of Indo Nepal remitters from 1st Jan’23. Providing RDA services for two leading Exchange House and tie ups being done with multiple exchange houses Providing Outward Remittance under liberalized Remittance scheme in tie up with a leading Non- Bank Entity, multiple Tie ups in pipeline. Overall 22 % growth in value and 29% volume Q3 to Q4 in FY 22-23. ~11% market share, 8,87L POS Terminals through aggregator partnership model QOQ transaction value growth of ~ 9%. Won aggregator partnership model with one of the largest Indian conglomerate and with one of the largest Global Payment Aggregators Achieved 750 TPS in UPI for a large gaming client Bouquet of API solutions across payment & collection services 165 APIs live with ~ 5 L API hits every day 45 Digital Servicing Channels Mobile Banking MyCard Net Banking users 10.8L (4.2) 92% Android users (4) user

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 52 Recent Developments New Co-brand Credit launched in partnership with our current Fintech Partner, BankBazaar Launched new digital acquisition channels for Short-term Personal Loan and Xpress Cash facility In association with BankBazaar Now available on RBL Bank MyCard App & Chatbot Bank RBL BankBazaar Savemax Pro Credit Card is focused on offering a rewardful experience for a variety of expenses you make in your daily life. This card comes as a to premium upgrade variant the BankBazaar Savemax Credit Card with improved reward benefits on Grocery and Fu

Branches

RBL Finserve (Exclusive) Other BCs (with Finserve) • Micro-Banking Branches : 1,163 • RBL Finserve Branches: 821 • Banking Outlets: 298 Figures in brackets refers to branches of RBL Finserve 55 Portfolio growth driven by new customers Net Advances 3.44 Million active loan accounts Disbursements 7,132 4,852 5,021 13% 5,963 12% 23 1,865 1,451 43% 57% 31% 69% 87% 88% MF Regulations – BRE and BCMS development 173 CBS Migration 1,692 145 1,306 2,474 269 2,205 March 2021 March 2022 Dec 2022 March 2023 RBL Finserve Other BCs Average Ticket Size 40961 39685 36128 38480 39499 36664 41325 39853 37470 41095 41086 38442 42751 42094 41531 42606 38801 31359 8 15 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 RBL Finserve Other BCs Average Portfolio Outstanding 27914 27673 26589 26656 24131 21369 24287 24462 17894 16217 24817 19556 26056 25340 20098 26294 25763 23210 Q4'FY21 Q4'FY22 Q1'FY23 Q2'FY23 Q3'FY23 Jan'23 Mar'21 Mar'22 June'22 Sep'22 Dec'22 Jan'23 Source : Equifax Data as of January’23 RBL Peer 1 Industry P