#116 C 40 Co Investor Presentation Q3 FY 23 Jan 20, 2023 q 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#3Glossary and Key Notes BC Bps BVPS AEPS Aadhaar Enabled Payment System INR Indian Rupee Agri Agribusiness Banking ΠΙΡΟ Initial Public Offering ΑΡΙ Application Programming Interface MF Mutual Funds ATM Automated Teller Machine Mn Million Business Correspondent NFB Non Fund Based Basis Points Book Value Per Share NIM NNPA C&IB Corporate & Institutional Banking INPA CAGR Compounded Annual Growth Rate PCR Provision Coverage Ratio CASA Current Account and Savings Account Q1 Net Interest Margin Net Non Performing Assets Non Performing Assets 3 month period ended June 30( April 1 - June 30) CB Commercial Banking Q2 3 month period ended September 30( July 1 - September 30) CBDT Central Board for Direct Taxes Q3 CC Credit Card Q4 CEO Chief Executive Officer QoQ CET1 Core Equity Tier 1 H1 Cr Crore 9M CRAR Capital to Risk Weighted Assets Ratio RBI CSR Corporate Social Responsibility RoA 3 month period ended December 31( October 1 - December 31) 3 month period ended March 31(January 1 - March 31) Quarter on Quarter 6 month period ended September 30( April 1 - September 30) 9 month period ended December 31( April 1 - December 31) Reserve Bank of India Return on Assets FICC Fixed Income, Currency and Commodity RoE FPI Foreign Portfolio Investor RWA Risk Weighted Assets FY 12 month period ended March 31 SLR Return on Equity Statutory Liquidity Ratio GNPA Gross Non Performing Assets UPI G-Sec Government Securities US Unified Payments Interface United States GST Goods and Services Tax VCF Venture Capital Funds HUF Hindu Undivided Family YOY RBL RBL Finserve Ltd. WCF Finserve RVF Rural Vehicles Finance PCR Year on Year Working Capital Finance Provision Coverage Ratio NM Not Meaningful apno ka bank | RBL Bank 3#4Key Drivers of Business Performance in Q3FY23 Well Diversified Advances - Growth of 15% YoY and 6% sequentially Strong Liability Franchise - CASA at 36.6%; Retail (as per LCR) at 42.5% of total deposits Growing Profitability - PAT at Rs. 209 crore up 34% YoY Stable Asset Quality with Prudent Provisioning – Net NPA at 1.18% with PCR at 68% - Healthy Capital Adequacy – CRAR at 17.0%; CET1 at 15.5% - Growing Distribution Network with 516 Branches and 1168 BC/ BOS Experienced Board and Leadership Team apno ka bank | RBL Bank 4#5RBL Bank Q3 FY23 Snapshot Improving Financial Metrics ■Net Profit grew 34% YoY to Rs. 209 crore ■NIM at 4.7%, improved by 19bps sequentially ■ Other Income 35.0% of Total Income Core Fee Income 33% of Total Income at Rs. 590 crore Diversified Advances with Growing Retail ■ Total Advances grew 15% YoY & 6% QoQ to Rs. 66,684 crore ■ Retail Advances grew 13% YoY and 7% QoQ to Rs. 34,977 crore Diversifying Retail Mix Credit Cards: 23% of advances Microfinance: 8% of advances Housing Loans, Rural Vehicles & Small Business Loans: 8% of Advances Growing Granular Deposits ■ Total Deposits grew 11% YoY to Rs. 81,746 crore ■ CASA grew 18% YoY ■ CASA ratio at 36.6% ◉ ■ Retail Deposits (as per LCR definition) grew 25% YoY, was 42.5% of total deposits ■ Cost of Deposits at 5.5% ◉ Healthy Capitalisation and Liquidity Levels CRAR at 17.0% and CET 1 at 15.5% Average LCR at 144% for the quarter Improving Asset Quality ■ GNPA reduced 19bps sequentially to 3.61%; NNPA at 1.18% ■ Net Slippages at Rs. 383 crore ■ PCR at 68.0% ■ Net Restructured Advances reduced 33bps sequentially to 1.44% Increasing customer base and distribution network ■ Customer base at 12.00 mn increase of 0.24 million QoQ ■ Distribution network of 516 branches, 413 ATMs and 1168 BC branches/Banking Outlets ■ apno ka bank | RBL Bank 5 LO#6Q3 FY23 Key Financial Highlights Advances Rs. 66,684 crore Healthy Balance Sheet 15% YoY 6% QoQ Retail Advances Rs. 34,997 crore 13% YoY 7% QoQ Deposits Rs. 81,746 crore* 11% YoY 3% QoQ CASA Rs. 29,948 crore 18% YoY 4% QoQ NII Rs. 1,148 crore Core Fee Income Rs. 590 Operating Profits Rs. 567 Profits Rs. 209 crore Growing Profitability 14% YoY8% QoQ crore 6% YoY 9% QoQ crore 10% YoY 11% QoQ 34% YoY 4% QoQ NIM 4.7% CASA 36.6% NNPA 1.18% Improving Financial Ratios 40bps YoY 19bps QoQ 225bps YoY 47bpsQoQ 67bps YoY 7bps QoQ * Retail Deposits (as per LCR definition) grew 6% QoQ to Rs. 34,769 crore apno ka bank | RBL Bank PCR 68.0% 507bps YoY 17bps QoQ 6#7Well Diversified Advances Co#8Well Diversified Advances Advances by Segment (%) 47.5% 52.5% ■ Wholesale ■ Retail Retail Advances Breakup (%) 2.2% - 4.1% • 3.6% 19.7% 11.8% • 83.3% of Wholesale Exposure is to A- or better rated customers Wholesale Exposure is well diversified across industries with top 10 industries accounting for only 29.2% of total exposure Bank amongst the largest Credit Card issuers in India with over 5% market share in Cards in Force Microfinance Lending is well diversified across geographies with top 5 states accounting for 66% of total microfinance advances Increasing Focus on Housing Loans, Vehicle Finance and Other Retail 14.4% 44.2% ■ Business Loans ■ Housing Loans ■ Others ■Credit Cards Agri ■ Microbanking ■ RVF apno ka bank | RBL Bank 8#9Advances Mix; Healthy Advances Growth Yield Dec 31,2022 Dec 31,2021 YOY Sep 30,2022 Proportio QoQ 9M FY23 n C&IB 24,214 20,901 16% 23,119 5% 7.1% CB 7,493 6,340 18% 7,137 5% (6.5%) 48% Wholesale 31,707 27,241 16% 30,256 5% Business Loans 6,882 8,676 (21%) 7,350 (6%) Credit Cards 15,471 13,189 17% 14,644 6% Micro-Banking 5,021 4,827 4% 4,584 10% Housing Loans 4,142 1,651 151% 3,450 20% 15.5% (14.9%) 52% Retail Agri 1,260 1,172 7% 1,213 4% Rural Vehicle 777 188 313% 540 44% Finance Others 1.425 1,197 19% 905 57% Retail 34,977 30,900 13% 32,686 7% 9M FY22 yields in brackets Total 66,684 58,141 15% 62,942 6% INR Yields for Wholesale Advances was 7.6% apno ka bank | RBL Bank 9#10Borrower's External rating Profile Dec 31, 2021 58,734 Sep 30, 2022 59,943 14,754 25.1% 11,413 19.0% Dec 31, 2022 63,323 11,617 18.3% A- or better A- or A- or 21,238 35.4% better 24,971 39.4% better 16,003 27.2% 80.3% 82.9% 83.3% 16,435 28.0% 17,042 28.4% 16,187 25.6% 8,718 14.8% 14.8%** 7,980 8,426 2,825 2,270 4.8% 4.8%** 13.3% 3.8% 13.9%* ** 13.3% 2,123 3.0%** External Ratings External Ratings 3.4% External Ratings 13.6%** 2.8%** AAA A-, A,A+ AA-, AA, AA+ BBB-, BBB, BBB+ BB+ & Below *Based on standard exposures; Unrated external ratings are mapped basis internal ratings ** Based on facility ratings apno ka bank | RBL Bank Exposure in Rs. crore 10#11Diversified Industrial Concentration Top 10 Industry* Outstanding Industry FB-NFB Split % of Outstanding FB+NFB FB+NFB Exposure Exposure NBFC (ex. HFC & DFI) 3,690 99:1 4.4% Construction 3,205 31:69 3.8% Power 2,980 60:40 3.5% HFC 2,677 100:0 3.2% Retail/ Distribution 2,658 74:26 3.1% Engineering 2,509 50:50 3.0% Metals 1,975 66:34 2.3% Pharma 1,883 77:23 2.2% Oil and Gas 1,602 0:100 1.9% Cement 1,494 86:14 1.8% * As of Dec 31, 2022 based on actual outstanding Non Fund Based Book Particulars Guarantees Dec 31, 2022 11,286 Letter of Credit, Acceptances, Endorsements and other Obligations 4,803 apno ka bank | RBL Bank Dec 31, 2021 10,217 Sep 30, 2022 11,474 5,505 4,478 11#12Strong Liability Franchise Co#13CASA & Total Deposits 18% YoY growth in CASA ; Total deposits grew by 11% YoY CASA: 34.4% CASA 25,318 CASA: 36.2% CASA: 28,718 79,404 CASA: 36.6% CASA 29,948 81,746 apno ka bank | RBL Bank 73,639 14.7% 14.8% 15.7% 21.4% 20.9% 19.7% 65.6% 63.8% 63.4% Dec 31, 2021 Term Deposits Sep 30, 2022 Savings Account Dec 31, 2022 Current Account 13#14Deposits, Liquidity and Cost Trends Yield and Cost 11.22% 11.62% 11.31% 11.26% 12.22% 11.22% 11.46% 11.96% 154% 134% 5.54% 5.27% 5.10% 5.45% 5.20% 5.01% 4.82% 4.81% 4.87% 5.19% 5.55% 4.76% 4.75% 4.84% 5.14% 5.47% March 31, June 30, Sep 30, 2021 2021 2021 Dec 31, March 31, June 30, 2021 2022 2022 Sep 30, 2022 Dec 31, 2022 Yield on Advances Cost of Funds Cost of Deposits LCR Position 155% 146% 138% 149% 156% 144% 90% 100% 100% 100% 100% 100% 100% 100% March June 30, Sep 30, Dec 31, March June 30, Sep 30, Dec 31, 31, 2021 2021 2021 31, 2022 2022 2022 2021 2022 LCR Requirement LCR maintained CASA Ratios 27,236 31.8% 33.7% 35.4% 34.4% 35.3% 36.0% 36.0% 36.2% 36.6% 41.6% Share of Retail Deposits 29,505 31,421 27,889 30,717 31,415 32,832 34,769 42.5% 41.3% 39.6% 39.7% 33.7% 29.4% 31.2% 33.3% 31.9% 32.0% 32.8% 38.9% 37.2% 37.9% March 31, June 30, Sep 30, Dec 31, March 31, June 30, Sep 30, 2021 2022 2021 2021 2021 -CASA Ratio 2022 2022 -Average CASA Ratio apno ka bank | RBL Bank Dec 31, 2022 March 31, June 30, 2021 2021 Sep 30, 2021 Dec 31, March 31, June 30, Sep 30, 2021 2022 2022 2022 Dec 31, 2022 Retail to Total Deposits Retail Deposits as per LCR (Rs. crore) 14#15Stable Financial Metrics 20 | cee Co#16Improving Profitability QoQ Q3 Q3 Q2 9M 9M Parameter YOY QoQ FY23 FY22 FY23 FY23 FY22 Net Interest Income 1,148 1,010 14% 1,064 8% 3,240 2,895 Other Income 618 583 6% 583 6% 1,815 1,829 Net Total Income 1,767 1,593 11% 1,648 7% 5,056 4,725 Operating Profit 567 631 (10%) 512 11% 1,609 2,088 Provisions (Other than Tax) 293 424 (31%) 241 21% 787 2,460 Net Profit/ (Loss) 209 156 34% 202 4% 612 (273) Parameter Q3 FY23 Q3 FY22 Q2 FY23 9M FY23 9M FY22 Other Income/Total 35.0% 36.6% 35.4% 35.9% 38.7% Income Cost/Income 67.9% 60.4% 68.9% 68.2% 55.8% Net Interest Margin 4.7% 4.3% 4.5% 4.5% 4.3% Credit Cost/Advances 39 73 39 121 444 (bps)* RoA 0.78% 0.61% 0.77% 0.77% (0.36%) RoE 6.25% 4.97% 6.12% 6.21% (2.89%) apno ka bank | RBL Bank • Not Annualized 16#17Core Fee Income increasing QoQ Other Income 583 583 618 1,829 1,815 558 Core Fee Income Breakup 544 590 1,558 1,665 4% 4% 4% 4% 4% 22% 22% 25% 23% 22% 3% 3% 2% 2% 2% 27% 31% 31% 32% 96% 93% 95% 85% 92% 32% 32% 29% 29% 30% 27% 15% 11% 4% Q3 FY22 8% 9% 12% 10% 11% 7% 5% Q2 FY23 Q3 FY23 9M FY22 9M FY23 Q3 FY22 Q2 FY23 Q3 FY23 9M FY22 9M FY23 ■Trading -FICC I Core Fees apno ka bank | RBL Bank Payments Related FX Proc Fee Gen. Banking ■Trade and Others Distribution 17#18Operating Costs Increase Driven By Business Volume Growth; Credit Costs Lower QoQ Operating Expenses 963 1,135 1,199 2,637 3,447 Net Credit Cost by Business (bps) 73* 39* 39* 444* 121* 429 68 13% 12% 11% 4% 4% 4% 9% 10% 15% 10% 14% 4% 11% 13% 12% 41 5% 11% 12% 12% 12% 10% 11% 11% 12% 22% 23% 10% 22% 21% 22% 5 26% 30% 28% 27% 29% (2) Q3 FY22 Q2 FY23 Q3 FY23 9M FY22 9M FY23 ■Employee ■Tech & Outsourcing ■Business Acquisition ■Premises ■Payments&General Banking ■Depreciation ■Others apno ka bank | RBL Bank 35 35 Q3 FY22 Q2 FY23 Q3 FY23 ■Wholesale 14 3 118 9M FY22 9M FY23 ■Retail Not Annualized for the bank or at individual segment level for the quarter 18#19Asset Quality Co#20Asset Quality Snapshot Movement of Gross NPAs Quarter Ended Dec 31, 2021 March 31, 2022 June 30, 2022 Sep 30, 2022 Dec 31, 2022 Opening Balance 3,131 2,902 2,728 2,537 2,457 (+) Additions during the period 766 619 653 812 608 (-) Upgrade 181 105 192 149 99 (-) Recoveries 271 222 188 164 126 (-) Write Offs 542 465 465 578 371 Closing Balance 2,902 2,728 2,537 2,457 2,469 Gross NPA (%) 4.84% 4.40% 4.08% 3.80% 3.61% Net NPA 1,076 807 697 790 790 Net NPA (%) 1.85% 1.34% 1.16% 1.26% 1.18% Actual PCR 62.9% 70.4% 72.5% 67.8% 68.0% PCR incl. Technical Write-offs 78.6% 83.4% 85.3% 84.3% 84.7% Slippage Ratio 1.37% 1.07% 1.09% 1.35% 0.97% Net Slippages 313 292 273 498 383 Net Slippage Ratio 0.56% 0.50% 0.46% 0.83% 0.61% Net Restructured % 3.00% 2.69% 2.35% 1.87% 1.44% • Net Security Receipts as a percentage of total advances at 0.17% apno ka bank | RBL Bank 20#21Asset Quality - NPA Position Business segment Wholesale Retail Business Loans Credit Cards Micro-Banking Retail Agri Others Total Gross NPA by business segment Dec 31, 2021 March 31, 2022 1,010 1,044 June 30, 2022 1,087 Sep 30, 2022 Dec 31, 2022 1,183 1,172 1,892 1,684 1,450 1,274 1,297 353 378 377 426 473 388 325 328 348 345 895 737 517 274 223 158 147 163 163 176 98 97 64 63 80 2,902 2,728 2,537 2,457 2,469 Net NPA by business segment Business segment Dec 31, 2021 March 31, 2022 June 30, 2022 Sep 30, 2022 Dec 31, 2022 Wholesale 370 290 299 362 322 Retail 706 516 398 428 468 Business Loans Credit Cards Micro-Banking Retail Agri Others 197 192 158 147 165 150 104 83 84 82 225 89 65 102 112 93 86 76 73 80 40 44 16 22 30 Total 1,076 807 697 790 790 21 apno ka bank | RBL Bank#22Slippages, Loan Provisions & Restructured Advances Particulars Wholesale Credit Card Slippages Breakup Net Slippages* (7) Of which Restructured Particulars NPA Specific Provision (towards PCR) Loan Provisions Breakup As of 31st Dec 2022 For Q3 FY23 1,679 385 199 5 Restructured Provision (outside PCR) 156 (64) Microfinance 102 65 Standard Provision (outside PCR) 329 18 Retail Assets 89 52 Recovery on written off accounts (95) Total 2,163 244 Total 383 122 * Slippages Net of Upgrades and Recovery Restructured Advances by business segment Business segment Gross Net Wholesale 15 10 Retail 1,101 950 Business Loans (Largely Secured) 959 835 Credit Cards 113 100 Micro-Banking 29 15 apno ka bank | RBL Bank Total 1,116 960 22#23Healthy Capital Adequacy Co#24Capital Adequacy - Well Capitalized Particulars Tier 1 Capital Funds* Dec 31, 2021 Sep 30, 2022 Dec 31, 2022 12,060 12,710 12,915 Tier 2 Capital Funds 623 1,216 1,242 Total Capital Funds* 12,683 13,926 14,158 Total RWA Tier 1 CRAR* Total CRAR* RWA/Total Assets 76,510 80,187 83,353 15.8% 15.9% 15.5% 16.6% 17.4% 17.0% 75.1% 74.7% • Tier 1 and Total Capital Funds for interim financial periods has been computed after including interim results for better comparison apno ka bank | RBL Bank 76.1% 24#25Diversified Shareholding & Strong Rating Profile Shareholding by category (%) 1.7 0.1 7.7 Instrument Ratings Rating Basel III compliant Tier II bonds ICRA AA- (Stable) (Re-affirmed dated Sep 9, 2022) 26.5 20.2 31.0 Certificate of Deposits 12.7 Fixed deposit programme Individual/HUFS Foreign Corporates ■ VCF/MF/Pension Funds/Insurance FPI ■Body Coporates ■ NRIs Short term fixed deposit programme Others Total Foreign holding - 40.3%. Approved limit - 74% apno ka bank | RBL Bank CARE AA- (Stable) (Re-affirmed dated Oct 3, 2022) ICRA A1+ (Re-affirmed dated Sep 9, 2022) ICRA AA- (Stable) (Re-affirmed dated Sep 9, 2022) ICRA A1+ (Re-affirmed dated Sep 9, 2022) 25#26NODODOO CODGOODOOD Growing Distribution Network Co#27Our Growing, Multi-Layered Distribution Network Locations Chandigarh Customers (Mn.) 9.63 9.83 9.97 10.66 11.15 11.30 11.77 12.00 56 GIFT city 2 14 New Delhi branch 2021 16 (24) March June 30, Sep 30, Dec 31, March June 30, Sep 30, Dec 31, 31, 2021 2021 2021 31, 2022 2022 2022 2022 Channel Breakup 14) 6 Channels Number of transaction points 29 15 Dec 31, 2022 Sep 30, 2022 Dec 31, 2021 22 5 5 Branches 516 507 463 Metro (incl. GIFT branch) 299 294 256 136 23 Daman & Diu 58 Puducherry Urban 75 72 66 Semi-urban 74 74 78 Dadra & Nagar Haveli Branch, ATM, BC Rural 68 67 63 13 56 Banking Outlets (BOS) 298 289 274 BC 7 BC Branches (incl. BOs) 1,168 1,204 1,424 Goa Of which RBL Finserve Of which for Micro-Banking 821 821 874 1,165 1,165 1,242 Figures in circles refer to number of branches in given state/union territory apno ka bank | RBL Bank ATMs 413 413 407 27#28Digital Initiatives Co#29Deeper Connect by enhancing the value proposition in the payments landscape... 1 Digital Channels 6 for Corporate Customers Digital Onboarding Stack 7 Partnerships Payments 5 Platform Digital Channels for Financial Inclusion apno ka bank | RBL Bank 4 Digital KYC Platform 2 Digital Channels for Retail Customers 3 • Enabler to provide Seamless Digital Experience to Customers A central unit focusing on building Digital Journeys for existing and new Products of the Bank Build common platforms interfacing customers to aid digital journeys for e.g. digital KYC platform, payments platform, rule based engines for customer assessment Continuous design to reflect changing customer experience and market benchmarks. Platform available to business units to synergise existing journeys to contextualise with new product variations Consolidate the delivery framework for building customer digital journeys Facilitate Cross Sell and UpSell 29#30Digital Banking Framework Channels IB, MB, DB platform to engage and serve across customer segments Operations Vision to build and offer a unified digital platform focussing on B2C, B2B, B2BC platform ABACUS 2.0 Payments Scalable API driven Liabilities & TPP Retail Assets & Credit Payments platform for Digital product journeys corporate and retail customers Card Digital Product Journeys Anchored By Digital Servicing + Servicing Digital Risk B2C B2B (Digital Journeys) (Leverage on API Capabilities) • Digital onboarding across Products & Services • API driven payments platform across INR and FX • Escrow structures (PA, PPI, Managed) • Engagement platform across lifecycle • • Value added services like Spend Analysis, Fastag, bill payments Digital Journeys across all product portfolio of the bank in the next 3 to 5 years apno ka bank | RBL Bank UPI (P2M), P2P), TPAP, Plugin Model Supply Chain Financing through digital/Trade Finance Intermediary relationships across (Payment Aggregation, PPI, Forex inwards (RDA) and Outwards (LRS)) • Sales Support & Digital Service Enablers Digital Solutions support across segments Product & Project Support Product governance & transaction monitoring. Unified KYC Platform Support (Legal, Compliance) B2B2C (Potential for B2C through Partnerships) Neobanking platform subject to regulatory clearances • Digital Liability and Lending structures Cobranding Debit/Credit Card/Prepaid Programs Cross Sell Neo Banking Tieups, Cross Sell structures for B2B 30#31Customer Centric Digital Approach Retail Liability Customer Journey ETB Personalized UI Insignia Diplomat Customer Individual/Corporate STEP INTO A NEW E-BANKING EXPERIENCE Corporate Business Journey NTB/ETB HyperPersonalised UI Customer Data Platform + Intuitive Login Layer Identify basis login Retail/Insignia/Diplomatic/Corporate Retail Asset/FI Credit Card Merchant Product Journey NTB/ETB Seamless Onboarding Layer giving optional ability to Customer C 000 ibi Retail Insignia MY Card BIZBank HyperPersonlisation Only show the relevant product offering for • . e.g balances if liability accounts Sr.Citizen: Font size bigger than normal NRI Login Forex Rates apno ka bank | RBL Bank Embedded Journeys AI/ML Al personalised cross sell Hyper personalized Cross-Sell/Value Add. Servs NR Login: FX Card proposition, Forex Rates Sr. Citizen: FD rates • Offers Concierge CERSAI AADHAAR Central KYC Registry DigiLocker Video KYC Aadhar KYC CKYC Digi Locker Stamping eSign Ability to add product variations within the journey with minor tweaks PRODUCT LIABILITY SA, CA, FD Third Party Products (Insurance) VEHICLE PRO PERSONA BUS N HL, PL, LAP Underwriting Rule Engine 31#32Our Continual market standing in the digital space... 58.35 L Overall BAAS Customers* 21.5L apno ka bank | RBL Bank No of Merchants QOQ Increase in Acquiring Txn Value~ 11.05% 6.8 CR Total Transaction Volume 31.66L PPI Customers For period Oct-22 to Dec-22 18,600 Crore Total Transaction Value (in nos.) 1.85 L Unique Customer Service Points * Overall number of Payment Aggregator, Wallet holders, AEPS and DMT CSPs. 32#33Credit Card Update Co#34Growth & Market Share Nov'21 RBL Industry RBL 4.2 M CIF 3.4 M 67.9 M 24% 5,008 Cr Spends 3,863 Cr 89,493 Cr 30% 15,693Cr Advances 13,520 Cr 1,38,688 Cr 16% Market Share - Cards (#) Market Share - Spends 4.8% 4.7% 5.0% 5.0% 5.2% 5.1% 4.7% 4.3% 3.6% 2.9% 2.1% 2.0% Nov❜22 Source RBI Data Industry 80.7 M ▲ 19% 1,15,161 Cr ▲ 29% 1,73,424 Cr 25% Market Share - Advances 3.3% 6.0% 9.8% 10.8% لات 4.3% 4.1% ارات Mar'18 Mar'19 Mar'20 Mar 21 Nov'21 Mar'22 Nov'22 Mar'18 Mar'19 Mar'20 Mar'21 Nov'21 Mar'22 Nov'22 apno ka bank | RBL Bank 9.7% 9.2% 9.0% Mar'18 Mar'19 Mar'20 Mar'21 Nov'21 Mar'22 Nov'22 34#35Credit Cards - Portfolio Trends Cards in Force (Million) 0.60 4.10 4.17 4.23 4.24 3.91 3.68 3.46 Acquisition (Million) 0.58 0.52 0.45 0.43 Q3'22 Q4'22 Q1'23 Q2'23 Oct'22 Nov 22 Dec'22 Q3'22 Q4'22 Gross Advances Breakup (Cr.)* 0.20 0.20 0.18 Q1'23 Q2'23 Q3'23 Oct'22 Nov'22 Dec'22 Total Spends (Cr.) 13,427 13,603 14,281 14,908 15,492 15,727 15,734 15,821 14,129 28% 28% 29% 31% 13,161 31% 31% 31% 12,115 12,276 21% 22% 23% 22% 22% 22% 22% 51% 50% 48% 47% 47% 47% 47% Q3'22 Q4'22 Q1'23 Q2'23 Oct'22 Nov 22 Dec'22 ■Term ■Revolver ■Transactor apno ka bank | RBL Bank 5,421 4,999 5,400 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Oct'22 Nov'22 Dec'22 35#36Credit Cards - Portfolio Trends Retail Spend # Consumer Loans ('000) 929 855 841 861 27,484 27,207 24,963 25,228 24,852 25,588 25,596 753 11,809 11,836 12,908 11,136 11,645 11,729 12,656 327 311 291 Q3'22 Q4'22 Q1'23 Q2'23 Oct'22 Retail Spend/Card Nov'22 Dec'22 Retail Spend/Active Card Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Oct'22 Nov'22 Dec'22 30 Day Retail Active 47% 47% 45% E-com Spend Share* 46% 47% 46% 47% 55% 57% 55% 57% 58% 56% 59% 59% Q3'22 Q4'22 Q1'23 Q2'23 Oct'22 Nov'22 Dec'22 Q3'22 Q4'22 Q1'23 Q2'23 Q3'23 Oct'22 Nov'22 Dec'22 Retail spends Increased YoY and QoQ * Q1'23 & Q2'23 values reinstated 36 # Retail Spend parameter are measured as of qtr end apno ka bank | RBL Bank#37Credit Cards - Customer Segment insights Cards-in-Force New Sourcing For Q3 FY23 As on 31st Dec 2022 Salaried Self Employed (SE) mix City Tier Mix Carded Mix 1.45 1.53 0.99 31% 69% 0.83 34% 3% 14% 56% 10% 0.92 1.08 1.00 83% 0.94 Age Group Mix 0.78 1.14 20% 18% 62% 1.03 ■ Salaried ■ Self Employed TIER 1 ■ TIER 2 ■ TIER 3 ■ Carded ■ Bureau Tested - NTC ■ Under 30 = 31-45 ■45+ Salaried Self Employed (SE) mix 30% City Tier Mix Carded Mix 2% 23% 42% 49% 70% 8% 0 75% ■Salaried ■ Self Employed apno ka bank | RBL Bank Indexed 90+ Age Group Mix 15% 30% 54% ■ TIER 1 - TIER 2 = TIER 3 ■ Carded ■Bureau Tested NTC ■ Under 30 - 31-45 ■ 45+ - Diversified exposure, expansion outside Tier-1 cities. 37#38Retail Spends Insights 140% SPEND# ACROSS CATEGORY -Daily -Discretionary -Travel 12,442 Cr 692 Cr 2,662 Cr 130% 120% 110% 9,256 Cr 100% 540 Cr 90% 2,276 Cr 80% 70% 60% Q3FY22 Q4FY22 Q1FY23 Q2FY23 Q3FY23 -Daily 100% 105% 110% 120% 134% Discretionary 100% 88% 102% 102% 117% -Travel 100% 93% 119% 128% 128% Q3 FY23 Over Previous 4 Quarters Oct'22 Spends has been all time high #Spend Type Daily: Grocery/Stores, Telecom, Utility, Education, Health & Insurance, Wallet Load, Fuel & Cab. Discretionary: Lifestyle & Apparel, Dining & Food Delivery, Entertainment, Durables Travel: Hotel, Travel Agency, Airlines, Railway etc apno ka bank | RBL Bank 38#3918.0% 16.0% 0.0% Jan'19 12.0% 2.0% -3.0% Jan'19 Feb'19 Note: Mar'19 Apr'19 May'19 Jun'19 Jul'19 Aug'19 7.0% INDUSTRY RBL Feb'19 Mar'19 Apr'19 May'19 Jun'19 Jul'19 Aug'19 14.0% 12.0% INDUSTRY RBL 10.0% 8.0% 6.0% 4.0% 2.0% Sep'19 Oct 19 Nov'19 Source: TransUnion / CIBIL • • 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 apno ka bank | RBL Bank Sep'19 Oct 19 Dec'19 Nov'19 6MOB$30+ Comparison with Industry Jan'20 Feb'20 Jan'20 Feb'20 Mar'20 Dec'19 Apr 20 Jun'20 Jul'20 May'20 3MOB$30+ Comparison with Industry Mar 20 Apr'20 May'20 Jul'20 Jun'20 Aug'20 Credit Cards - tighter control on new bookings resulting in delinquencies in line with industry. Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Mar'21 Apr'21 May'21 Jun'21 Jul'21 Aug'21 Sep'21 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Mar'21 Apr'21 May'21 Jun'21 Jul'21 Aug'21 Sep'21 Oct'21 Nov'21 Dec'21 Jan'22 Feb'22 Mar'22 Refer note below Oct'21 Refer note below Nov'21 Dec'21 Jan'22 Feb'22 Mar'22 Apr'22 May'22 Jun'22 39#40Tighter risk measures on new acquisition - lowering risk in the portfolio Lower value @ risk for same number delinquency vs industry* 5.0 80% 4.5 70% 4.0 60% 3.5 50% 3.0 1.99 2.5 40% 2.03 1.92 2.0 1.66 1.81 1.59 1.86 1.51 1.50 30% 1.37 1.5 20% 1.50 1.0 1.32 0.75 1.26 0.92 0.5 0.90 0.89 10% 0.62 0.71 0.54 0% 0.0 Higher proportion of low risk clients ■ Pre-Covid ■ Post-Covid Apr'19 Jun '19 Sep' 19 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Dec'21 Mar'22 -Industry RBL Sharper exposure management across risk bands leading to lower value at risk for same number delinquency. Measured as Ratio of 6 MOB 30+ ($) / 6 MOB 30+ (#) Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk Significantly tighter risk filters - higher proportion of lower risk. apno ka bank | RBL Bank * Source: TransUnion / CIBIL 40#41Recent Developments Brand new Channel Partner & Card launched Launch of 2 new Credit Cards in partnership with our current E-commerce & Fintech partners In association with PaisaBazaar DUET DUET RBLBANK DRBL BANK The newly-launched Paisabazaar Duet & Duet Plus credit cards, 2-in-1 lifetime free & offer cashback on purchases and also a line-of-credit from RBL Bank that enables instant transfer of money into the account. bank In association with LazyPay DRBLBANK RBL Bank LazyPay Credit Card focused on rewarding customers cashback. This card In association with BookMyShow RBL BANK Available to customers paisabazaar b is on with BookMyShow, this card comes with offers VIKRAM VERMA is available on the LazyPay By book my show application and VIKRAM VERMA provides 1% cashback on all online and offline spends. play across Movies & live entertainment paisabazaar offerings, along with binge watching movies and TV series on BookMyShow Stream. apno ka bank | RBL Bank 41#42Micro-Banking Update | cee Co#43Micro-Banking Distribution Network (84) (44) (43) 6 103 (60) (26) (118) (2) (52) 92 16 (72) (40) 59 (49) 25 (83) 107 (16) www 6 110 (82) 116 27 3 Figures in brackets refers to branches of RBL Finserve apno ka bank | RBL Bank Micro-Banking Presence RBL Finserve (Exclusive) Other BCs (with Finserve) • Active BC Partners: 3 State & District Presence: • 21 States and 2 Union Territory 407 Districts • 60000+ villages covered Branches : • Micro-Banking Branches: 1,165 • RBL Finserve Branches: 821 Banking Outlets: 298 • ⚫ 9 New Banking Outlet Added in Q3-FY-23 43#44Portfolio growth driven by new customers, ticket size growth moderate Net Advances In Rs. crores 3.27 Million active loan accounts In crores 10% Growth Quaterly-Disbursement-FY-23 CBS Migration 1,879 7,132 1,457 6,445 4,852 5,021 MF Regulations - BRE and BCMS development 5,028 4,584 23 Mar 31,2019 Mar 31,2020 Mar 31,2021 Mar 31,2022 Sept 30,2022 Dec 31,2022 Q1-FY-23 Q2-FY-23 Q3-FY-23 Average Ticket Size Average Outstanding 42,611 40,960 41,325 38,708 38,472 39,853 36,253 39,834 39,586 39,817 38,889 36,784 33,385 33,930 36,128 36,664 34,879 32,276 29,971 31,359 30,334 27,914 27,673 26,456 26,589 26,656 24,028 24,287 24,462 24,817 23,356 23,042 20,393 19,650 22,395 21,369 19,192 19,599 19,556 18,055 17,894 Mar-18 Mar-19 Mar-20 Mar-21 Mar-22 Jun-22 Sep-22 Mar-18 Mar-19 Mar-20 RBL Mar-21 Peer Mar-22 16,217 Jun-22 Sep-22 RBL Peer Industry Industry apno ka bank | RBL Bank Peers: two largest banks, two SFB's and two prominent MFI's Source: Equifax *NPA Post COVID Book, Originated on and sfter April-2021 New Book Considered Portfolio originated on and after April-2021 44#45Portfolio Concentration & Delinquency Trend 5.60% 3.97% 2.54% PAR-Trend-RBL-VS-Industry Portfolio-Composition 10% 90% ■ New Book- Post COVID ■ Old Book-Pre-COVID New-Book-90+ Less than 1% New-Book-90+ 6.79% 5.45% 4.94% 4.47% 3.70% 3.12% 2.95% 3.83% 2.27% 0.87% 0.76% 0.39% 0.27% 0.34% 0.38% RBL-Sept-22 RBL-Dec-22 Peer-Group-1 30+ 60+ 90+ apno ka bank | RBL Bank Industry Sep-21 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Peer Group-1: two largest banks, two SFB's and two prominent MFI's Source: Equifax for Peer Group-1 and Industry Data which is as of September 2022 New Book Considered Portfolio originated on and after April-2021 45#46Micro banking - Portfolio Concentration State Name % of Portfolio % of Portfolio Top-3 & Top-5 Portfolio Contribution Dec'22 Mar'22 % of Portfolio % of Portfolio Mar'20 66% Mar'21 53% 37% 61% 45% 54% Bihar 25.2% 18.9% 12.8% 14.7% Uttar Pradesh 14.6% 11.2% 7.8% 3.4% Rajasthan 14.1% 14.7% 10.9% 7.3% Odisha 6.1% 4.0% 5.3% 6.2% Haryana 5.6% 5.7% 3.8% 3.9% Jharkhand 5.2% 3.1% 3.0% 2.1% Mar'2021 Mar'2022 Dec'2022 Tamil Nadu 4.8% 9.2% 13.0% 13.4% Karnataka 4.8% 6.4% 9.0% 8.8% ■Top-3 ■Top-5 Madhya Pradesh 4.4% 4.7% 5.1% 4.9% Gujarat 3.9% 4.8% 3.2% 3.1% West Bengal 3.4% 4.9% 7.2% 8.5% Punjab 3.1% 2.9% 3.6% 4.6% Industry Comparison-Top3 & Top-5 State Concentration Maharashtra 2.4% 5.3% 8.4% 10.7% 65% 54% Kerala 0.8% 1.2% 1.6% 1.5% 63% 56% Uttarakhand 0.4% 0.6% 0.7% 0.8% Chhattisgarh 0.3% 0.6% 1.3% 1.7% 44% 38% Tripura 0.2% 0.4% 0.5% 0.5% Puducherry 0.2% 0.3% 0.4% 0.4% Goa 0.2% 0.3% 0.4% 0.6% Himachal 0.0% 0.1% 0.0% 0.0% Pradesh Assam 0.0% 0.5% 1.9% 2.8% RBL Peers Industry Jammu & 0.0% 0.0% 0.0% 0.0% Kashmir ■Top 3 states ■Top 5 states Meghalaya 0.0% 0.0% 0.1% 0.1% Grand Total 100.0% 100.0% 100.0% 100.0% apno ka bank | RBL Bank Source: Equifax- Data as of Sept-2022 Peers: two largest banks, two SFB's and two prominent MFI's 46#47Experienced Board and Leadership Team | cee Co#48Board of Directors Mr. Prakash Chandra Non-Executive Independent Director (Part Time Chairman) Previously, Chairman of Central Board of Direct Taxes (CBDT) Mr. R Subramaniakumar Managing Director and CEO A veteran banker with 40 years of experience; Previously, associated with PNB, Indian Bank and Indian Overseas Bank Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company Ms. Ranjana Agarwal Non-Executive Independent Director Founder and managing partner of Vaish & Associates, Chartered Accountants Ms. Veena Mankar Non-Executive Non Independent Director Currently, Chairman of RBL Finserve Ltd. Previously, Founder of Swadhaar Finserve Pvt. Ltd. And Swadhaar FinAccess Mr. Vimal Bhandari Non-Executive Non Independent Director Executive Vice Chairman and CEO with Arka Fincap Limited (AFL Mr. Ishan Raina Non-Executive Independent Director Previously, Founder of Out of Home (OOH) India, Associated with J. Walter Thompson (JWT) and Lintas Advertising Mr. Chandan Sinha Non-Executive Independent Director Previously, Executive Director, RBI. Career - Central Banker for 35 years Dr. Somnath Ghosh Non-Executive Independent Director Retired Professor and Founding Dean (Academics) from Indian Institute of Management Kashipur Mr. Manjeev Singh Puri Non-Executive Independent Director Former Indian Diplomat, former Ambassador to the European Union, Belgium, Luxembourg, Nepal and United Nations apno ka bank | RBL Bank 48#49Board of Directors (Contd.) Mr. Yogesh Dayal Additional Director (Appointed by RBI) A career Central Banker with 25 years of experience with RBI. Currently Chief General Manager and in charge of Department of Communications, RBI. Dr. Sivakumar Gopalan Non-Executive Independent Director Faculty of the Department of Computer Science and Engineering, IIT Bombay, since 1991 Mr. Gopal Jain Non-Executive Non-Independent Director Managing Partner and Founder of Gaja Capital, Founded Gaja Capital in 2004 apno ka bank | RBL Bank 49#50Professional and Experienced Leadership Team Mr. R Subramaniakumar Managing Director and CEO A veteran banker with 40 years of experience; Previously, associated with PNB, Indian Bank and Indian Overseas Bank (40) Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company (35) Mr. R. Gurumurthy Mr. Brijesh Mehra Head- Governance Head 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 Corporate, Institutional & Transaction Banking Previously, Country Manager, Royal Bank of Scotland N.V. and prior to that associated with Grindlays Bank Public Limited Company (36) (35) Mr. Jaideep lyer Mr. Bhavtaran Singh (Sunny) Uberai Head Client Services, Head Strategy Previously, Group President and Deputy CFO - Yes Bank Previously, associated with ABN Amro Bank and Arete Financial Partners, Singapore (35) (25) Mr. Deepak Kumar Chief Risk Officer Mr. Deepak Gaddhyan - Head Branch & Business Banking Previously, associated with State Bank of India and member of RBI committees Previously, associated with ICICI Bank, Yes Bank (37) (27) Mr. Alok Rastogi Head - Corporate Centre Previously, associated with Yes Bank, CRISIL and CITI Bank (27) Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank Mr. Ravi Pichan Chief Information Officer Previously, associated with HDFC Life, Larsen & Toubro Infotech, Capgemini, (28) 50#51Professional and Experienced Leadership Team (Contd.) Mr. Vijay Anandh Chief Credit Officer - Retail Previously, associated with Barclays Finance, ICICI Bank (25) Mr. Sanker Parameswaran Head - Legal Mr. Pankaj Sharma Chief Operations Officer Previously, Head Retail Operations, Axis Bank (21) Mr. R. Rajagopalan = Head Internal Audit Previously, associated with HDFC Bank, Kotak Mahindra Bank (35) Previously, associated with ICICI Bank, Indian Hotels, Amway India Mr. Prakash Gupta Chief Compliance Officer Previously, associated with Barclays, Credit-Suisse and Rabobank Figures in brackets are years of work experience in financial services Strengthening of Leadership Team with induction of Mr. Ravi Pichan apno ka bank | RBL Bank Mr. N Hari Prakash (30) Head - Enterprise Risk Previously, associated with RBS Plc. India, ABN Amro Bank N.V., ICICI Bank and HDFC Bank (30) 51#52Annexures Co#53Balance Sheet Particulars Dec 31, 2022 Sep 30, 2022 Dec 31, 2021 Liabilities Capital 600 600 599 Reserves and Surplus 12,695 12,470 11,814 Deposits 81,746 79,404 73,639 Borrowings 10,623 10,776 11,974 Other Liabilities 3,891 4,151 3,877 Total 109,555 107,402 101,903 Assets Cash & Balances with RBI 5,010 5,228 10.957 Balances with other banks 3,054 5,745 3,516 Investments (Net) 26,777 25,813 22,983 Advances (Net) 66,684 62,942 58,141 Fixed and Other Assets 8,029 7,673 6,307 Total 109,555 107,402 101,903 apno ka bank | RBL Bank 53#54Profit & Loss Statement Particulars Income Q3 FY23 Q3 FY22 Q2 FY23 9M FY23 9M FY22 Interest Earned 2,369 2,044 2,176 6,634 6,045 Interest Expended 1,220 1,034 1,111 3,393 3,149 Net Interest Income 1,148 1,010 1,064 3,240 2,895 Other Income 618 583 583 1,815 1,829 Total Income 1,767 1,593 1,648 5,056 4,725 Expenditure Operating Expenses 1,199 963 1,135 3,447 2,637 Employee Cost 333 253 341 983 723 Premises Cost 113 111 114 340 312 Depreciation 51 41 46 143 119 Other Operating Expenses 702 558 634 1,981 1,483 Operating Profit 567 631 512 1,609 2,088 Provisions 293 424 241 787 2,460 On advances 244 403 226 718 2,412 On others 49 21 16 69 48 Profit Before Tax 274 207 271 821 (372) Tax 65 51 69 210 (99) Profit After Tax 209 156 202 612 (273) apno ka bank | RBL Bank 54#55Consolidated Balance Sheet Particulars Liabilities Capital Reserves and Surplus Deposits Borrowings Other Liabilities Total Dec 31, 2022 Sep 30, 2022 Dec 31, 2021 600 600 599 12,617 12,376 11,759 81,745 79,404 73,637 10,628 10,781 11,975 3,913 4,194 3,899 109,502 107,355 101,870 Assets Goodwill on Consolidation 41 41 41 Cash & Balances with RBI 5,010 5,228 10,957 Balances with other banks 3,062 5,753 3,524 Investments (Net) 26,632 25,668 22,838 Advances (Net) 66,656 62,921 58,141 Fixed and Other Assets 8,102 7,743 6,370 Total 109,502 107,355 101,870 apno ka bank | RBL Bank 55#56Consolidated Profit & Loss Statement Particulars Income Q3 FY23 Q3 FY22 Q2 FY23 9M FY23 9M FY22 Interest Earned 2,467 2,107 2,263 6,933 6,244 Interest Expended 1,221 1,034 1,111 3,394 3,149 Net Interest Income 1,247 1,073 1,152 3,540 3,096 Other Income 624 584 585 1,823 1,839 Total Income 1,871 1,657 1,737 5,363 4,934 Expenditure Operating Expenses 1,288 1,060 1,239 3,745 2,905 Employee Cost 407 336 420 1,217 955 Premises Cost 119 155 121 360 331 Depreciation 56 45 50 156 131 Other Operating Expenses 706 524 647 2,012 1,488 Operating Profit 583 596 498 1,618 2,030 Provisions 293 424 241 787 2,460 On advances 244 403 226 718 2,412 On others Profit Before Tax Tax 49 21 16 69 48 290 172 257 831 (430) 65 51 69 210 (99) Profit After Tax 225 122 188 621 (331) apno ka bank | RBL Bank 56#57Historical Performance FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 Particulars 9M FY23 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 12,254 12,006 12,708* Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 81,746 Advances (Net) 1,905 4,132 6,376 9,835 14,450 21,229 29,449 40,268 54,308 58,019 58,623 60,022 66,684 Investments (Net) 892 2,334 5,571 6,518 9,792 14,436 13,482 15,448 16,840 18,150 23,230 22,274 26,777 Net Profit 12 66 92 93 207 292 446 635 867 506 508 (75) 612 CRAR (%) 56.4 23.2 17.1 14.6 13.1 12.9 13.7 15.3 13.5 16.4 17.5 16.8 17.0 Gross NPA (%) 1.12 0.80 0.40 0.79 0.77 0.98 1.20 1.4 1.38 3.62 4.34 4.40 3.61% Net NPA (%) 0.36 0.20 0.11 0.31 0.27 0.59 0.64 0.78 0.69 2.05 2.12 1.34 1.18% Business per 4.4 6.7 7.9 7.7 9.1 11.8 13.1 15.9 19.3 16.0 16.9 15.0 13.8 employee No. of employees 907 1,328 1,859 2,798 3,465 3,872 4,902 5,300 5,843 7,221 7,816 9,257 10,771 Return on Assets 0.53 1.33 1.05 0.66 1.02 0.98 1.08 1.21 1.27 0.59 0.54 (0.07) 0.78 (%) Return on Equity (%) 1.7 5.9 6.73 5.44 9.58 11.32 11.67 10.95 12.15 5.74 4.35 (0.60) 6.25 BVPS 49.99 52.62 63.03 71.3 75.77 91.17 113.07 155.99 171.93 202.29 204.90 200.27 211.96* apno ka bank | RBL Bank 57 * Net Worth and BVPS for interim financial periods has been computed after including interim results for better comparison#58Thank you apno ka bank | RBL Bank 58