RBL Bank Limited

rs,

October 21, 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

77%

r Working Capital Finance 3 Key Drivers of Business Performance in Q2 FY24 Consolidated PAT grew 77% YoY and 4% QoQ to Rs. 331 crore; Standalone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 cro

4%

pital Finance 3 Key Drivers of Business Performance in Q2 FY24 Consolidated PAT grew 77% YoY and 4% QoQ to Rs. 331 crore; Standalone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consoli

Rs. 331 crore

nce 3 Key Drivers of Business Performance in Q2 FY24 Consolidated PAT grew 77% YoY and 4% QoQ to Rs. 331 crore; Standalone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consolidated Operating Profi

46%

Q2 FY24 Consolidated PAT grew 77% YoY and 4% QoQ to Rs. 331 crore; Standalone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consolidated Operating Profit grew 54% YoY and 12% QoQ to Rs. 765

2%

olidated PAT grew 77% YoY and 4% QoQ to Rs. 331 crore; Standalone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consolidated Operating Profit grew 54% YoY and 12% QoQ to Rs. 765 crore; Stan

Rs. 294 crore

AT grew 77% YoY and 4% QoQ to Rs. 331 crore; Standalone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consolidated Operating Profit grew 54% YoY and 12% QoQ to Rs. 765 crore; Standalone Operating Prof

54%

alone PAT for Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consolidated Operating Profit grew 54% YoY and 12% QoQ to Rs. 765 crore; Standalone Operating Profit for Q2 FY24 grew 43% YoY and 13% QoQ

12%

r Q2 FY24 grew 46% YoY and 2% QoQ to Rs. 294 crore Consolidated Operating Profit grew 54% YoY and 12% QoQ to Rs. 765 crore; Standalone Operating Profit for Q2 FY24 grew 43% YoY and 13% QoQ to Rs. 731

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 35 Microfinance Update Microfinance Distribution Network (1) (2) (43) (39) (82) 6 101 (58) (39) 56 (47) 87 (14) 5 105 (82) 27 116 (40) (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 RBL Finserve – 821 branches (Exclusive or Dominant)

Branches

Other BCs (with Finserve) • Micro-Banking Branches : 1,206 • RBL Finserve Branches: 882 • Banking Outlets: 296 37 Portfolio Update Net Advances In Cr Disbursements In Cr 7,132 4,852 5,021 5,963 6,517 6,785 23 1865 1451 43% 57% 31% 69% 13% 12% 12% 12% 87% 88% 88% 88% 173 1692 145 1306 8 15 2474 269 2205 2152 1985 255 272 1897 1713 Mar'21 Mar'22 Dec'22 Mar'23 June'23 Sep'23 Q1_FY23 Q2_FY23 Q3_FY23 Q4_FY23 Q1_FY24 Q2_FY24 RFL Other BC Average Ticket Size RFL Other BCs Average Portfolio Outstanding 41291 40961 39685 39499 38918 36128 38480 35097 36664 41325 41095 41086 39853 37470 38442 43,484 43,494 42,367 41,520 42,114 40,480 Q2'FY22 Q3'FY22 Q4'FY22 Q1'FY23 Q2'FY23 Q3'FY23 Q4'FY23 Q1'FY24 27914 27673 26589 26656 24131 24287 24462 24817 26056 25340 27587 26726 27182 28286 26903 25953 21369 17894 19556 20098 Mar'21 Mar'22 16217 June'22 Sep'22 Dec'22 Mar'23 June'23 RBL Peer 1 Industry RBL Peer 1 Industry Peers Group 1: two largest banks, two SFB’s and two prominent MFI’s Source : Equifax Da