#1April 27, 2018 Investor Presentation 4th Quarter/FY 18 C 5 RBL BANK apno ka bank#2Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the "Company") for use in presentations by the Company at analyst and investor meetings and does not constitute a recommendation regarding the securities of the Company. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information, or opinions contained herein. 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ALL FIGURES IN THIS DOCUMENT ARE IN INR CRORE UNLESS MENTIONED OTHERWISE ; 1 CRORE = 10 MILLION apno ka bank | RBL Bank 2#3ARC Glossary and Key Notes AEPS Agri ΑΡΙ Aadhaar Enabled Payment System Agribusiness Banking Application Programming Interface Asset Reconstruction Company IFI Institutional Financial Inclusion INR Indian Rupee ΠΙΡΟ Initial Public Offering LAP Loan Against Property ATM Automated Teller Machine MF BC Business Correspondent Mn BIL Business Installment MSME Bps Basis Points NABARD Mutual Funds Million Micro, Small and Medium Enterprises National Bank for Agriculture and Rural Development BVPS Book Value Per Share NFB Non Fund Based C&IB Corporate & Institutional Banking NIM Net Interest Margin CAGR Compounded Annual Growth Rate INNPA Net Non Preforming Assets CASA Current Account and Savings Account NPA Non Performing Assets ICB Commercial Banking PCR Provision Coverage Ratio CBDT Central Board for Direct Taxes PIL Personal Installment Loan CC Credit Card Q1 3 month period ended June 30( April 1 - June 30) CEO Chief Executive Officer Q2 3 month period ended September 30( July 1 - September 30) CET1 Core Equity Tier 1 Q3 Cr Crore Q4 CRAR Capital to Risk Weighted Assets Ratio QoQ CSP Customer Service Point RBI 3 month period ended December 31( October 1 - December 31) 3 month period ended March 31 (January 1 - March 31) Quarter on Quarter Reserve Bank of India CSR Corporate Social Responsibility RoA Return on Assets DB & FI Development Banking & Financial Inclusion RoE Return on Equity DBT Direct Benefit Transfer RWA FICC Fixed Income, Currency and Commodity SDR FPI Foreign Portfolio Investor SLR FY GNPA G-Sec GST 12 month period ended March 31 Gross Non Performing Assets Government Securities Goods and Services Tax UPI US Risk Weighted Assets Strategic Debt Restructuring Statutory Liquidity Ratio Unified Payments Interface United States VCF Venture Capital Funds YoY Year on Year HUF Hindu Undivided Family apno ka bank | RBL Bank 3#4Table of Contents Topic Key Performance Highlights RBL Vision 2020 Financial Performance Distribution Network Shareholding Pattern and Ratings Awards and New Initiatives Annexures apno ka bank | RBL Bank Page Number 5 12 16 30 32 34 37#5ODO Co Key Performance Highlights | peee de DOO e COODO#6Q4 FY18 / FY18 Financial Highlights FY 18 has tracked well to RBL Vision 2020 goals Total Revenue growth in FY 18 of 38% YoY ; Net Profit growth in FY18 of 42% YoY NII growth of 45% YoY in FY18; Other Income growth of 41% YoY in FY18 NIM improving consistently – 3.98% in Q4 FY18 and 3.80% for FY18 Advances growth of 37% YoY, Deposit growth of 27% YoY and CASA growth of 40% YoY GNPA at 1.40% ( down from 1.56% in Q3 FY18), NNPA at 0.78% ( down from 0.97% in Q3 FY18). Overall stressed advances at 1.48% down from 1.74% in Q3 FY18 PCR at 57.57% ( up over 5% from previous quarter) RoA at 1.25% for Q4 FY18; RoA for full year FY18 up 13 bps at 1.21% Total customer base of 4.5 million; addition of 0.5 million in Q4 FY18 apno ka bank | RBL Bank 00#7Q4 FY 18 Highlights Net interest Income Rs. 500 cr YoY Growth QoQ Growth 42% 7% Core Fee Income Rs. 270 cr 32% 18% Net Total Income Rs. 812 cr 38% 12% Operating Profit Rs. 383 cr 36% 15% Net Profit apno ka bank | RBL Bank Rs. 178 cr 37% 8% 7#8Full Year FY 18 Highlights YoY Growth Net interest Income Rs. 1,766 cr 45% Core Fee Income Rs. 887 cr 41% Net Total Income Rs. 2,834 cr 43% Operating Profit Rs. 1,331 cr 45% Net Profit Rs. 635 cr 42% apno ka bank | RBL Bank 8#9Full Year FY 18 Highlights Contd.... Advances Rs. 40,268 cr YoY Growth QoQ Growth 37% 9% Wholesale Advances Rs. 23,752 cr 33% 6% Non-Wholesale Advances Rs. 16,516 cr 42% 13% Deposits Rs. 43,902 cr 27% 14% CASA apno ka bank | RBL Bank Rs. 10,678 cr 40% 15% 6#10Key Indicators Pre-IPO Advances Deposits Net Profit RoA BVPS FY 11 1,905 2,042 12 0.5% Rs. 50 FY 16 21,229 24,349 292 1.0% Rs. 91 (84% CAGR FY 11-16) (64% CAGR FY 11-16) (88% CAGR FY 11-16) Post Listing Performance Advances YOY Q3 17 26,773 46% NIM Net Profit RoA 3.4% 129 1.17% Q4 17 29,449 39% 3.5% 130 1.19% Q1 18 31,108 40% 3.5% 141 1.19% Q2 18 33,576 35% 3.7% 151 1.19% Q3 18 36,890 38% 3.9% 165 1.22% Q4 18 40,268 37% 4.0% 178 1.25% apno ka bank | RBL Bank BVPS for FY 18 is Rs. 156 10#11Key Indicators - Business Breakup Advances by Segment (%) 4.8% Deposit Breakup (%) 14.1% 22.1% 18.7% 40.3% 12.2% 12.2% 75.7% ■Term Deposits Saving Deposits ■ CIB ■CB ■Retail Assets DB&FI ■ Agri ■Current Deposits apno ka bank | RBL Bank 11#12ODO Co RBL Vision 2020 DOO e COODO#13Performance Tracking to Vision 2020 Goals Advances RBL Vision 2020 (Post IPO/Sept 2016) 30-35% CAGR Actual FY 18 37% CASA Ratio 0.75 -1% increase every year Other Income % ~ 1/3rd of Net Total Income FY 16: 18.6%; FY 17: 22.0% FY 18: 24.3% 37.7% Operational Efficiency Cost/Income ratio of 51% -52% by 2020 FY 16: 58.6%; FY 17: 53.5% FY 18: 53.0% Return Ratios - ~ 1.50% RoA by 2020 apno ka bank | RBL Bank FY 16: 0.98%; FY 17: 1.08% FY 18: 1.21% 13#14Key Initiatives of Vision 2020 SSAFRAN Technology b₁ CASHPOINT RBL BANK TRANSFER | WITHDRAWALS | DEPOSITS Distribution NPCI भारतीय राष्ट्रीय भुगतान निगम AADHAAR Platforms * Cross-sell Mass Banking Leveraging technology to acquire, engage and service clients API banking, Abacus (Digital savings account); Fintech Partnerships (Moneytap, Zeta); Credit card partnerships (Bajaj Finserv, BookMyShow, HyperCity) Enhancing distribution through a combination of owned branches, BCs, Customer Service Points ('CSPs') 265 own branches, over 800 BC branches (including 197 Banking Outlets) and 1,94,000 CSPs serve over 4.5 Mn customers pan-India Creation of Transaction and Payment platforms that leverage changes in ecosystem driven by Aadhaar, UPI, India Stack, GST etc. AEPS and UPI based mobile apps allow customers to transact through low cost channels Better availability of data for underwriting in case of retail and MSME businesses Enhancing cross-sell across all businesses Strong analytics teams in place to analyze data to enhance cross sell and customer targeting Increase presence in 'Mass Banking' - internal efforts, partnerships and acquisitions Extending network to individual loans in rural areas and offering deposits, insurance, DBT and remittance services Pilot partnership underway in affordable housing apno ka bank | RBL Bank 14#15Our Fundamentals Have Resulted in Consistent Strong Performance Guiding Principles Key Pillars b RBLBANK apno ka bank | RBL Bank 1. Focus on Effective Risk Management and Asset Quality Robust corporate governance framework and processes 2. Prudent and profitable growth Broad Based Shareholder and Strong Capital Base 3. Customer-centric and relationship approach 4. Focus on Operational Quality and Scalability Professional and experienced management team 5. Leveraging Partnerships and Technology for Creating Customer Centric / Multi-channel Solutions Eminent Board of Directors 15#16ODO Co Financial Performance DOO COODO e 16#17Strong Profitability Momentum Continues Parameter Q4 18 Q4 17 YOY Q3 18 QoQ FY 18 FY 17 Net Interest Income 500 352 42% 467 7% 1,766 1,221 Other Income 312 237 32% 258 21% 1,068 755 Net Total Income 812 589 38% 726 12% 2,834 1,977 Operating Profit 383 282 36% 333 15% 1,331 920 Net Profit 178 130 37% 165 8% 635 446 Parameter Q4 18 Q4 17 Q3 18 Other Income/Total Income 38.4% 40.2% 35.6% FY 18 37.7% FY 17 38.2% Cost/Income 52.9% 52.1% 54.0% 53.0% 53.5% Net Interest Margin 4.0% 3.5% 3.9% 3.8% 3.3% Credit Cost/Advances (bps) 24* 31* 20* 96 85 RoA 1.25% 1.20% 1.22% 1.21% 1.08% 10.90% 12.29% 10.21% 10.95% 11.67% RoE * Not Annualized apno ka bank | RBL Bank 17#18Strong Growth in Business; Improvement in Asset Quality Parameter Advances Deposits Investment FY 18 FY 17 YOY 40,268 29,449 37% 43,902 34,588 27% 15,447 13,482 15% Parameter FY 17 Q3 18 FY 18 CASA GNPA NNPA 22.0% 24.0% 24.3% 1.20% 1.56% 1.40% 0.64% 0.97% 0.78% Total Stressed Assets 1.45% 1.74% 1.48% PCR CRAR * including interim profits apno ka bank | RBL Bank 59.6% 52.5% 57.6% 13.7% 15.9%* 15.3% 18#19Well Diversified Other Income Profile; Rising Core Fee Income Other Income Core Fee Income Breakup 1,068 17% 887 10% 755 311 627 28% 270 258 17% 237 13% 11% 14% 10% 230 10% 14% 4% 205 9% 3% 14% 9% 33% 16% 83% 15% 31% 4% 6% 89% 86% 83% 4% 19% 14% 28% 87% 12% 37% 29% 38% 24% 19% 16% 15% 14% 16% Q4 17 Q3 18 Q4 18 FY 17 FY 18 Q4 17 Q3 18 Q4 18 FY 17 FY 18 FX Proc Fee ■Trading - FICC Core Fees Gen. Banking Distribution apno ka bank | RBL Bank Credit Cards Trade and Others 19#20Cost Increase Driven by Business Expansion; Range Bound Credit Costs Operating Expenses Net Credit Cost by Business (bps) 429 392 1,056 1,503 13* 20* 53 24* 85 96 157 42 44 132 42 49% 40 120 120 3738 116 107 43% 56% 307 49% 28 88 6% 6% 8% 49% 9% 6% 8% 6% 8% 42% 6% 37% 8% 30% 37% 37% Q4 17 Q3 18 Q4 18 1110 32 42 6 15 10 10 FY 17 FY 18 Q4 17 Q3 18 ■ Employee Premises ■Depreciation Others apno ka bank | RBL Bank 33 53 46 40 26 26 8 21 Q4 18 FY 17 FY 18 ■C&IB ■CB ■Retail Assets ■DB&FI ■ Agri * Not Annualized for the bank or at individual segment level for the quarter 20 20#21Changing Advances Mix and Lower Cost of Funds Helping NIMS C&IB CB Wholesale FY 18 16,240 FY 17 12,339 YOY Yield FY 18 Proportion 32% 7,512 5,510 36% 8.76% (9.89%) 59% 23,752 17,849 33% Retail Assets 8,891 5,370 66% DB & FI 5,684 4,122 38% Micro-banking 3,560 2,161 65% IFI 1,543 1,631 -5% 13.40% (13.38%) 41% MSME 581 330 76% Agri Non-Wholesale 1,940 2,109 -8% 16,516 11,600 42% Total 40,268 29,449 37% FY 17 yields in brackets apno ka bank | RBL Bank 21#22Diversified Loan Portfolio Break up of advances - Secured/Unsecured 29,449 32% By Geography 40,268 40,268 36,890 36,890 17% 32% 29,449 17% 32% 19% 16% 18% 21% 42% 41% 68% 68% 68% 38% 24% 25% 22% FY 17 Q3 18 FY 18 FY 17 ■Secured ■ Unsecured apno ka bank | RBL Bank Q3 18 ■North West South East FY 18 22 22#23Tenor of Advances Stable Borrowers' Rating Profile and Tenor of Advances Breakup of rated exposures* 7.8% 7.0% 8.3% 7.2% 7.5% 7.7% 14.4% 29.2% 13.4% 29.0% 29.7% 14.6% 40,268 36,890 8% 7% 6% 16.6% 17.2% 17.7% 29,449 7% 18% 8% 20% 8% 24.6% 24.5% 22.4% 23% 68% 22.0% 23.1% 24.6% 66% 92.5% 93.8% 94.5% 61% 5.3% 6.6% 0.9% FY 17 0.9% 4.7% 0.8% Q3 18 FY 18 BB & BELOW BB+ BBB A-/ BBB+ BBB- A+/ A FY 17 Q3 18 FY 18 AA- AAA/ AA+/AA A+ or higher BBB- or higher <1 year ■1-3 years ■3-5 years ■>5 years * Borrower ratings, not facility ratings; Based on internal ratings apno ka bank | RBL Bank 23 23#24Well Diversified Industry Exposure & Growing NFB Exposure Top 10 industry exposures* Industry Exposure FB-NFB Split % of Exposure Construction 4,561 44:56 6.7% Retail Distribution 3,599 76:24 5.3% Power Engineering Real estate Pharma Professional services Metals Financial services 2,928 54:46 4.3% 2,758 53:47 4.1% 2,658 95:5 3.9% 2,589 82:18 3.8% 2,544 80:20 3.7% 1,627 29:71 2.4% 1,563 84:16 2.3% Oil & gas storage / pipeline 1,504 30:70 2.2% As of March 31, 2018 excluding cash-backed exposures Non Fund Based Book Particulars FY 18 FY 17 Q3 18 Guarantees 9,655 7,548 9,029 Letter of Credit 1,257 910 1,781 Acceptances, Endorsements and other Obligations 1,582 840 1,029 apno ka bank | RBL Bank 24 24#25Asset Quality Continues to Remain Strong Q4 18 FY 18 Gross NPA by business segment FY 17 Movement of Gross Business segment FY 17 Q3 18 FY 18 NPAs C&IB 103.8 142.2 83.1 Opening Balance 580 357 208 % 0.84% 0.91% 0.51% (+) Additions during the 115 569 533 period CB 138.9 105.7 126.4 (-) Upgrade 56 70 % 13 2.53% 1.56% 1.67%* (-) Recoveries Retail Assets 76.3 110.8 113.0 50 130 303 % 1.42% 1.41% 1.26%* (-) Write Offs 22 159 69 LAP 19.9 25.3 25.9 Closing Balance 567 567 357 BIL 15.9 25.7 31.6 Gross NPA (%) 1.40% 1.40% 1.20% PIL 4.3 8.5 11.8 Net NPA 314 314 190 Cards 9.8 19.3 19.9 Net NPA (%) 0.78% 0.78% 0.64% Others 26.4 32.0 23.7 Provisioning Coverage 57.57% 57.57% 59.58% Ratio (PCR) (%) Agri 18.1 57.6 81.5 Slippage Ratio 0.31% 1.93% 2.51% % 0.86% 2.89% 4.15% Restructured % 0.08% 0.08% 0.25% DB&FI 19.7 163.5 162.8 % 0.48% 3.38% 2.84% Total Stressed Assets% 1.48% 1.48% 1.45% Total 356.8 579.9 566.7 Security Receipts as a percentage of total advances at 0.07% Total (%) 1.20% 1.56% 1.40% •1 ARC sale for the quarter apno ka bank | RBL Bank *For CB the GNPA % would be 2.23% for FY 18 with the addition of wholesale agri; For Retail Assets GNPA % would 1.36% for FY18 with the addition of retail agri 25#26Capital Adequacy - Well Capitalized to Support Growth Particulars FY 18 FY 17 Q3 18 Tier 1 Capital Funds* 6,544 4,231 6,407 Tier 2 Capital Funds 826 867 814 Total Capital Funds 7,370 5,097 7,222 Total RWA Tier 1 CRAR* Total CRAR* RWA/Total Assets 48,079 37,155 45,324 13.6% 11.4% 14.1% 15.3% 13.7% 15.9% 77.7% 76.3% * CRAR and Tier 1 Capital Funds for interim financial periods has been computed after adding interim profit for better comparison apno ka bank | RBL Bank 81.8% 26#27Sustained Growth in Deposits, Led by CASA 40% yoy growth in CASA, while total deposits grew by 27% CASA: 22.0% CASA : 7,603 34,588 CASA: 24.0% CASA 9,280 38,623 10.5% CASA: 24.3% CASA: 10,678 43,902 12.2% 12.2% 10.9% 11.1% 13.5% 76.0% 75.7% 78.0% FY 17 Q3 18 FY 18 ■Term Deposits ■Savings Account Current Account apno ka bank | RBL Bank 27 27#28Steady Investment Book Investment Breakup Yield Total Investments SLR Non SLR 13,482 13,071 2% 5% 7% 7% 15% 15% 15,447 1% 13% 13% 76% 73% 73% FY 17 Q3 18 ■G-Sec Debentures & Bonds ■Money Market/Equities/MF FY 18 Others Yield Q4 18 Q4 17 Q3 18 FY 18 FY 17 7.2% 7.7% 7.2% 7.4% 7.8% 7.3% 7.4% 7.3% 7.4% 7.5% 7.0% 8.2% 6.8% 7.3% 8.5% apno ka bank | RBL Bank 28#29NIM Improvement Helped by Lower Cost of Funds and Stable Yields Pre-IPO FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 Yield on Advances 10.9% 12.6% 13.1% 12.9% 12.3% 11.7% Cost of Funds 5.8% 8.3% 9.6% 9.4% 8.4% 7.6% Cost of Deposits 5.8% 8.1% 8.9% 8.8% 8.3% 7.7% Post Listing Performance Q3 17 Q4 17 Q1 18 Q2 18 Q3 18 Q4 18 Yield on Advances 11.3% 10.8% 10.6% 10.6% 10.4% 10.5% Cost of Funds 6.9% 6.7% 6.5% 6.4% 6.1% 6.2% Cost of Deposits 6.9% 6.8% 6.7% 6.6% 6.4% 6.5% apno ka bank | RBL Bank 29 29#30ODO Co Distribution Network DOO COODO e 30#31Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) GIFT city branch Chandigarh 2 13 New Delhi 4.50 2.80 3.15 3.54 3.98 Q4 17 Q1 18 Q2 18 Q3 18 Q4 18 5 10 Channels 24 15 9 Branches Metro Channel Breakup Number of transaction points FY 18 Q3 18 FY 17 265 246 239 92 83 78 100 Urban 43 41 40 Daman & Diu Semi-urban 76 68 68 Rural 54 54 53 28 Dadra & Nagar Haveli Branch, ATM, BC, CSP Banking Outlets (BOS) 197 188 Branch, BC, CSP BC Branches (incl. BOs) 807 757 568 23 ATM, CSP Microbanking 646 590 497 8 Goa Figures in circles refer to number of branches in given state/union territory apno ka bank | RBL Bank MSME 161 167 71 BC, CSP CSPs 194,296 100,017 57,614 CSP ATMs 388 394 375 31#32ODO Co Shareholding Pattern & Ratings Docce Coo DOO e COODO#33Diversified Shareholding & Strong/Improving Rating Profile Shareholding by category (%) 15.5 13.2 1.3 1.0 10.9 23.9 34.2 Instrument Ratings Rating Basel III compliant Tier II bonds ICRA AA- hyb (Stable) CARE AA- (Stable) Certificate of Deposits ICRA A1+ Medium term fixed deposit programme ICRA MAA (Stable) ■Individual/HUFS ■Foreign Corporates ■VCF/MF/Insurance ■Body Coporates FPI ■NRIS Others Short term fixed deposit programme ICRA A1+ Total Foreign holding - 40.7%. Approved limit - 74% apno ka bank | RBL Bank 33#34ODO Co Awards & New Initiatives | peee de DOO COODO e 34#35Awards and Initiatives Awards CNBC TV18 INDIA BUSINESS LEADER AWARDS Standard Chartered Presents BLA 'Most Promising Company Of The Year' (2017) at CNBC TV18 - India Business Leader Awards OUTLOOK INDIA'S NO.1 PERSONAL FINANCE MAGAZINE MONEY business) today 'Best Bank' (2017) at the Outlook Money Awards BWIBUSINESSWORLD 'Best Small Bank' (2017) Business Today Banking Awards 'Best Small Bank' & 'Fastest Growing Bank' (2017) at Business World Magna Awards Launches • Launched Rupay Powered Prepaid Cards with Indian Oil Corporation • Partnered with CreditVidya for better underwriting of salaried and instant employee verification. • Launched a co-branded prepaid FX card with Thomas Cook Borderless IndianOil Indian RBL BANK FOR USE IN INDIA ONLY 5088 8730 6123 4567 5088 UPTO 12/12 CARDHOLDER NAME RuPay> PREPAID apno ka bank | RBL Bank DRBL BANK 5122 9800 1700 3652 6122 VALID FROM VALIOT 01/13 01/18 CARDHOLDER NAME mastercard 35#36Awards and Initiatives (contd.) RBL Bank & Startup India nelaunch InFinlT20 FinT20 is a joint effort ive of Governme InFinIT20 is a joint effort by RBL Bank and Startup India (a flagship initiative of Government of India) towards identifying 20 budding FinTech Startups for a mentorship and funding program. 20 Fintech Startups to be identified 200 hours of mentorship InFinIT20 Funding opportunities Networking platform Hurry, apply before February 28, 2018! InFiniT20 is a three-month intensive program, where RBL Bank along with its partners, will mentor 20 promising entrepreneurs and innovators and also provide them with funding opportunities. For more details, visit www.startupindiahub.org.in Organised by RBLBANK #startupindia INVEST INDIA 29 RBL Bank Partners Shriram Transport Finance To create a Digital Payments Ecosystem for over 17 lakh customers of Shriram Transport Finance! Prepaid Card Solutions DIGITAL API Banking Solutions PAYMENTS PARTNERS KA BANK m AADHAAR Aadhaar Enabled Solutions ECOSYSTEM UPI UPI Driven Solutions QA Partnership-led Approach to Digital India! SHRIRAM RBL Bank and Shriram Transport Finance Company (STFC) have partnered to serve more than 17 lakh STFC customers for their last mile banking needs through integration of digital and cashless banking services. We are confident that this partnership, along with multiple others that RBL Bank has, will go a long way in helping build a Digital India! Our Partners Grant Thomton (go 群 LexOrbis Commercial Vehicle Finance GETS YOU GOING for growth Growth at NATION LAB INDIALENDS STARTHE NAL ASTARC AVARES 1crowd [] apno ka bank | RBL Bank 36#37ODO Co Annexures DOO e COODO#38Board of Directors Mr. Vishwavir Ahuja Managing Director and CEO Previously, Managing Director & Country Executive Officer of Bank of America for Indian Sub-continent Mr. Narayan Ramachandran Chairman Previously, CEO and Country Head of Morgan Stanley, India Mr. Jairaj Purandare Independent Director Previously, Regional Managing Partner of PWC Mr. Palepu Sudhir Rao Independent Director Currently, Associated with a Number of Corporates including Aditya Birla Money Ltd and Radhakrishna Foodland Pvt Ltd Ms. Rama Bijapurkar Independent Director Wide Experience in Market Research, Market Strategy and Management Consulting Mr. Sivanandhan Dhanushkodi Independent Director Currently, Part-Time Security Advisor to RBI Previously, Director General of Police, Maharashtra Mr. Prakash Chandra Independent Director Previously, Chairman of Central Board of Direct Taxes (CBDT) Mr. Vimal Bhandari Independent Director Director, Indostar Capital Finance Limited Mr. Ishan Raina Independent Director Previously, Founder of Out of Home (OOH) India, Associated with J. Walter Thompson (JWT) and Lintas Advertising Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company apno ka bank | RBL Bank 38#39Professional and Experienced Leadership Team Mr. Vishwavir Ahuja Managing Director and CEO Managing Director & Country Executive Officer of Bank of America for Indian Sub-continent from 2007-2009 Mr. R. Gurumurthy Head Risk & Governance Mr. Rajeev Ahuja Executive Director (35) Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company (31) Previously, associated with Standard Chartered Bank, Bank of America, Credit Lyonnais and State Bank of India with leadership roles in India and Asia-Pacific region Mr. Brijesh Mehra Head-Corporate, Institutional & Transaction Banking (32) Previously, Country Manager, Royal Bank of Scotland N.V. and prior to that associated with Grindlays Bank Public Limited Company. (31) Mr. Harjeet Toor Head Retail, Inclusion and Rural Business, Credit Cards, Retail and MSME Lending Previously, associated with Bank of America, ABN AMRO Bank and Fullerton India Credit Company (23) Mr. Andrew Gracias Head Financial Markets Previously, associated with Bank of America and UBS (22) Mr. Jaideep lyer Head Strategy Previously, Group President and Deputy CFO - Yes Bank (20) Mr. Vincent Valladares - Head Commercial Banking Previously, Middle East Head - Commercial Banking, Citibank (20) Mr. Surinder Chawla Ms. Shanta Vallury Gandhi Head Geography, Branch and Business Banking - Head HR, CSR & Internal Branding Previously, associated with Standard Chartered Bank, ABN Amro Bank and HDFC Bank (25) Previously, Vice President of Acquisitions and Partnerships Division in American Express Bank Ltd (Gurgaon) (25) Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank 39#40Professional and Experienced Leadership Team (Contd.) Mr. Bhaskar Niyogi Chief Risk Officer Previously, Chief General Manager at State Bank of India (40) Mr. Shrinath Bolloju Chief Operations Officer Previously, Global Head Securities Transformation - Deutsche Bank Singapore (25) Mr. Ujual George Mr. Bhavtaran Singh (Sunny) Uberai = Head Client Services Chief of Staff and Head of Transformation Previously, associated with Abu Dhabi Commercial Bank and Barclays Bank Previously, associated with ABN Amro Bank and Arete Financial Partners, Singapore (23) (32) Mr. Mohit Kapoor Head - Legal Previously, associated with Hewitt Associates, Max New York Life, Citibank India Figures in brackets are years of work experience in financial services (25) apno ka bank | RBL Bank Ms. Neeta Mukerji Chief Credit Officer Previously, associated with ICICI Bank, Asset Reconstruction Company (India) and GE Capital (28) 40#41Profit & Loss Statement Particulars Q4 18 Q4 17 Q3 18 FY 18 FY 17 Income Interest Earned 1,223 986 1,151 4,508 3,713 Interest Expended 722 634 683 2,741 2,492 500 1,766 Net Interest Income 352 467 1,221 312 1,068 Other Income 237 258 755 812 2,834 Total Income 589 726 1,977 Expenditure Operating Expenses 429 307 392 1,503 1,056 Employee Cost 131 113 144 551 446 Premises Cost 35 25 32 126 99 Depreciation 25 17 22 87 62 Other Operating Expenses 238 152 195 739 449 Operating Profit 383 282 333 1,331 920 Provisions 113 82 82* 365 239 On advances 74 83 68 300 197 On others 39 -1 14 65 41 Profit Before Tax 270 200 251 967 681 Tax 92 70 86 332 235 Profit After Tax 178 130 165 635 446 apno ka bank | RBL Bank 41#42Balance Sheet Statement Particulars FY18 FY 17 Q3 18 Liabilities Capital 420 375 418 Reserves and Surplus 6,264 3,960 6,059 Deposits 43,902 34,588 38,623 Borrowings 9,261 7,980 8,297 Other Liabilities 2,003 1,771 1,972 Total 61,851 48,675 55,369 Assets Cash & Balances with RBI 2,589 2,948 2,318 Balances with other banks 1,695 1,246 1,113 Investments (Net) 15,448 13,482 13,071 Advances (Net) 40,268 29,449 36,890 Fixed and Other Assets 1,851 1,550 1,977 Total 61,851 48,675 55,369 apno ka bank | RBL Bank 42#43Our Recent History Particulars FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 Advances (Net) 1,905 4,132 6,376 9,835 14,450 21,229 29,449 40,268 Investments (Net) 892 2,334 5,571 6,518 9,792 14,436 13,482 15,448 Net Profit 12 66 92 93 207 292 446 635 CRAR (%) 56.4 23.2 17.1 14.6 13.1 12.9 13.7 15.3 Gross NPA (%) 1.12 0.80 0.40 0.79 0.77 0.98 1.20 1.4 Net NPA (%) 0.36 0.20 0.11 0.31 0.27 0.59 0.64 0.78 Business per employee 4.4 6.7 7.9 7.7 9.1 11.8 13.1 15.9 No. of employees 907 1,328 1,859 2,798 3,465 3,872 4,902 5,300 Return on Assets (%) 0.53 1.33 1.05 0.66 1.02 0.98 1.08 1.21 Return on Equity (%) 1.7 5.9 6.73 5.44 9.58 11.32 11.67 10.95 apno ka bank | RBL Bank 43#44Thank you Contact us at: [email protected] +91-22-4302 0600 Please email us your contact details at the above id to get added to our investor relations mailing list Please visit our Investor Relations website - https://ir.rblbank.com/ apno ka bank | RBL Bank 44