RBL Bank Limited

rs,

July 22, 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

21%

verage Ratio 3 Key Drivers of Business Performance in Q1 FY24 Strong Advances Growth - Growth of 21% YoY and 4% sequentially; driven by Retail Advances Growth of 34% YoY and 8% sequentially PAT for

4%

3 Key Drivers of Business Performance in Q1 FY24 Strong Advances Growth - Growth of 21% YoY and 4% sequentially; driven by Retail Advances Growth of 34% YoY and 8% sequentially PAT for Q1 FY24 gre

34%

trong Advances Growth - Growth of 21% YoY and 4% sequentially; driven by Retail Advances Growth of 34% YoY and 8% sequentially PAT for Q1 FY24 grew 43% YoY and 6% QoQ to Rs. 288 crore Operating Profit

8%

es Growth - Growth of 21% YoY and 4% sequentially; driven by Retail Advances Growth of 34% YoY and 8% sequentially PAT for Q1 FY24 grew 43% YoY and 6% QoQ to Rs. 288 crore Operating Profit for Q1 FY2

43%

equentially; driven by Retail Advances Growth of 34% YoY and 8% sequentially PAT for Q1 FY24 grew 43% YoY and 6% QoQ to Rs. 288 crore Operating Profit for Q1 FY24 grew 22% YoY and 9% QoQ to Rs. 647 cr

6%

driven by Retail Advances Growth of 34% YoY and 8% sequentially PAT for Q1 FY24 grew 43% YoY and 6% QoQ to Rs. 288 crore Operating Profit for Q1 FY24 grew 22% YoY and 9% QoQ to Rs. 647 crore ROA at

Rs. 288 crore

Retail Advances Growth of 34% YoY and 8% sequentially PAT for Q1 FY24 grew 43% YoY and 6% QoQ to Rs. 288 crore Operating Profit for Q1 FY24 grew 22% YoY and 9% QoQ to Rs. 647 crore ROA at 1.01% vs 1.00% for Q

22%

tially PAT for Q1 FY24 grew 43% YoY and 6% QoQ to Rs. 288 crore Operating Profit for Q1 FY24 grew 22% YoY and 9% QoQ to Rs. 647 crore ROA at 1.01% vs 1.00% for Q4 FY23; ROE at 8.39% vs 8.11% for Q4 FY

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 34 Microfinance Update Microfinance Distribution Network (1) (2) (43) (39) 6 (82) 101 (58) (39) 56 (47) 87 (14) 5 105 (82) 116 (41) 3 27 (6) (26) (2) 16 86 (67) (113) (50) 24 (83) Active BC Partners: 3 State & District Presence: • • • 21 States and 2 Union Territory 405 Districts 110000+ villages covered Microfinance Presence

Branches

RBL Finserve (Exclusive) Other BCs (with Finserve) • Microfinance Branches : 1,112 • RBL Finserve Branches: 795 • Banking Outlets: 298 Figures in brackets refers to branches of RBL Finserve 36 Portfolio growth driven by new customers Net Advances Disbursements 7,132 43% 4,852 31% 57% 69% 5,021 13% 5,963 12% 6,517 12% 87% 88% 88% March 2021 March 2022 Dec 2022 March 2023 June 2023 RBL Finserve Other BCs Average Ticket Size 43484 42367 42114 39499 38480 36664 41325 39853 37470 41095 41086 38442 Q1'FY23 Q2'FY23 Q3'FY23 Q4'FY23 RBL Peer 1 Industry Source : Equifax Data as of April’23 42041 41885 36889 April'23 Peers : two largest banks, two SFB’s and two prominent MFI’s MF Regulations – BRE and BCMS development 1,865 173 1,692 1,451 145 1,306 2,474 269 2,162 265 2,205 1,897 Q2 FY23 Q3 FY23 RBL Finserve Q4 FY23 Other BCs Q1 FY24 Average Portfolio Outstanding 26656 24817 26056 25340 27587 27182 25953 27438 27149 27729 19556 20098 23 8 15 Q1 FY23 26589 24462 16217 June'22 Sep'22 RBL Dec'22 Pe