#1May 4, 2021 Investor Presentation 4th Quarter/ Q4 FY 21 C T 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#3Agribusiness Banking Glossary and Key Notes AEPS Agri ΑΡΙ Aadhaar Enabled Payment System INR Indian Rupee ΠΙΡΟ Initial Public Offering Application Programming Interface LAP Loan Against Property ARC Asset Reconstruction Company MF ATM Automated Teller Machine Mn BC BIL Bps BVPS Business Correspondent Business Installment Loan Basis Points Book Value Per Share MSME NABARD Mutual Funds Million Micro, Small and Medium Enterprises National Bank for Agriculture and Rural Development NFB Non Fund Based INIM Net Interest Margin C&IB Corporate & Institutional Banking INNPA Net Non Preforming Assets CAGR Compounded Annual Growth Rate NPA Non Performing Assets CASA Current Account and Savings Account PCR Provision Coverage Ratio CB Commercial Banking IPIL Personal Installment Loan CBDT Central Board for Direct Taxes Q1 3 month period ended June 30( April 1 - June 30) CC Credit Card Q2 3 month period ended September 30( July 1 - September 30) CEO Chief Executive Officer Q3 CET1 Core Equity Tier 1 Q4 Cr Crore QoQ CRAR Capital to Risk Weighted Assets Ratio H1 CSR Corporate Social Responsibility 9M DB & FI Development Banking & Financial Inclusion RBI DBT Direct Benefit Transfer 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 Return on Equity FPI Foreign Portfolio Investor RWA FY GNPA 12 month period ended March 31 Gross Non Performing Assets SDR SLR G-Sec Government Securities UPI GST Goods and Services Tax US Risk Weighted Assets Strategic Debt Restructuring Statutory Liquidity Ratio Unified Payments Interface United States HUF Hindu Undivided Family VCF Venture Capital Funds IFI Institutional Financial Inclusion YoY Year on Year RBL RBL Finserve Ltd. Finserve apno ka bank | RBL Bank 3#4Table of Contents Topic Key Performance Highlights Page Number 5 Financial Performance Distribution Network Shareholding Pattern and Ratings Micro-Banking Update 11 29 31 33 Credit Card Update 38 Branch and Business Banking Update 47 Digital Banking Update 51 Marketing & CSR Update Annexures apno ka bank | RBL Bank 55 57#5Co Co CHO For Ho ල Co Key Performance Highlights GOODOOD DOO HO e COCDO G ceeeeee belo CADO#6Q4 and FY21 Financial Highlights YoY Revenue growth of 5% powered by Other Income growth of 38% Despite COVID impact, consistent growth in PPOP every quarter leading to PPOP growth of 17% YoY (9% growth sequentially) to Rs. 877 crore Net Profit at Rs. 508 crore for FY21, similar to FY20, down QoQ due to accelerated/additional prudential provisioning NIM at 4.2%, sequentially flat, but subdued for the year due to reversal of interest income on slippages Retail advances grew 13% YoY and 4% QoQ; Retail : Wholesale mix at 59:41 Strong Deposit growth 26% YOY (9% sequentially) to Rs. 73,121 crore; LCR at 154% for the quarter Strong CASA growth at 36% YOY (11% sequentially) to Rs 23,264 crore; CASA Ratio at 31.8% vs. 29.6% in Q4FY20 Reduction in NPA levels; GNPA at 4.34% vs. 4.57% in Q3FY21 (Proforma basis), NNPA at 2.12% vs. 2.52% in Q3FY21 (Proforma basis). NNPA flattish YoY despite Covid related slippages in FY21 PCR increased to 72.2% in Q4FY21 (up 800bps YoY) Total customer base of 9.63 million; addition of 0.55 million in the quarter apno ka bank | RBL Bank CO#7Q4 FY21 Highlights Contd.... Strong Revenue and Operating Profit Growth ■ Core Fee Income grew 40% YoY, 33% QoQ Sequential improvement in operating profit throughout the year Q1 FY21-690 crore; Q2 FY21 - Rs. 720 crore; Q3 FY21- Rs. 805 crore and Q4 FY21 Rs. 877 crore Handsome Deposit Growth ■ Total Deposits grew 26% YoY and 9% QoQ ■ CASA grew 36% YoY and 11% QoQ ■ CASA ratio grew QoQ even on higher deposit base, at 31.8% SA Deposits grew 41% YoY Retail Deposits (as per LCR definition) grew 12% QoQ Healthy Capitalisation and Liquidity Levels continued ■ CRAR at 17.5% and CET 1 to 16.6% ■ RWA/Total assets stable at 73.5% LCR at 154% for the quarter Asset Quality ■ Reduction in NPA levels - GNPA ☐ at 4.34%; NNPA at 2.12% ■ PCR higher at 72.2% (up 8% YoY) ■ Rating Profile improving with 77.6% in the A and better category from 75.2% in Q3 FY21 ☐ Continued Increase in customer base and distribution network Customer base increased by 0.55 million QoQ, to 9.63 million ■ Distribution network of 429 branches, 412 ATMs and 1365 BC branches (26 branches added in the quarter) Digital Business Update ▪ Ranked #5 in AEPS transactions processed, processing ~30 lakhs transactions per month ■ 25% market share of disbursements in the MFI segment for payment APIs. ■ API transaction hit 5 lakh per day ■ Launched eMandate services as a sponsor bank, processing ~10 lakh mandates per month 7#8FY21 Highlights Net interest Income Rs. 3,788cr YoY Growth 4% Core Fee Income Rs. 1,757cr 1% Net Total Income Rs. 5,845cr 6% Operating Profit Rs. 3,091cr 14% Net Profit Rs. 508cr 0% apno ka bank | RBL Bank 8#9FY21 Highlights Contd.... Advances Rs. 58,623cr YoY Growth QoQ Growth 1% 4% Wholesale Advances Rs. 24,233cr (12%) 3% Retail Advances Rs. 34,390cr 13% 4% Deposits Rs. 73,121 cr 26% 9% CASA apno ka bank | RBL Bank Rs. 23,264cr 36% 11% 6#10Key Indicators – Business Breakup - Advances by Segment (%) 58.7% 41.3% ■ Wholesale ■ Retail Retail Advances Breakup (%) 4.3% 3.4% 4.9% 20.7% Business Loans ■ Microbanking ■ Agri apno ka bank | RBL Bank 35.4% 31.3% ■ Credit Cards ■ Housing Loans ■ Others Deposit Breakup (%) 13.3% 18.5% 68.2% Term Deposits ■Current Deposits Saving Deposits 10#11Co Co For Ho ල Co Financial Performance CHO HO e COCDO G ceeeeee belo CADO#12Strong PPOP Momentum Despite COVID Impact Parameter Q4 FY21 Q3 FY21 QoQ Q4 FY20 YOY FY21 FY20 Net Interest Income 906 908 0% 1,021 (11%) 3,788 3,630 Other Income 688 580 19% 501 38% 2,058 1,910 Net Total Income 1,594 1,488 7% 1,522 5% 5,845 5,540 Operating Profit 877 805 9% 752 17% 3,091 2,714 Net Profit 75 147 (49%) 114 (34%) 508 506 Parameter Q4 FY21 Q3 FY21 Q4 FY20 FY21 FY20 Other Income/Total Income 43.2% 39.0% 32.9% 35.2% 34.5% Cost/Income 45.0% 45.9% 50.6% 47.1% 51.0% Net Interest Margin 4.2% 4.2% 4.9% 4.5% 4.6% Credit Cost/Advances (bps)* 113 112 99 410 339 RoA 0.32% 0.62% 0.52% 0.54% 0.59% RoE 2.40% 4.79% 4.28% 4.35% 5.74% • Not Annualized apno ka bank | RBL Bank 12#13Balance Sheet Parameters Parameter Advances Deposits Investments March 31,2021 March 31,2020 YOY 58,623 58,019 1% 73,121 57,812 26% 23,230 18,150 28% Parameter March 31,2021 Dec 31,2020* March 31,2020 CASA 31.8% 31.1% 29.6% GNPA 4.34% 4.57% 3.62% NNPA 2.12% 2.52% 2.05% PCR (incl. Technical Write-offs) 72.2% 68.8% 64.0% CRAR 17.5% 17.9% 16.4% On Proforma Basis; Reported GNPA was 1.84%, NNNPA was 0.71% and PCR was 86.4% basis the interim order of the Honourable Supreme Court; CRAR includes interim profits apno ka bank | RBL Bank 13#14Other Income and Core Fee Income above Pre-COVID Levels Other Income 2,058 1,910 15% 688 Core Fee Income Breakup 1,743 1,757 660 9% 13% 580 54% 4% 497 56% 500 14% 6% 21% 470 9% 7% 7% 50% 96% 3% 56% 66% 86% 11% 3% 91% 85% 94% 11% 4% 3% 13% 2% 12% 10% 8% 9% 12% 7% 8% 10% 9% 9% 7% 8% Q4 FY20 Q3 FY21 Q4 FY21 FY20 FY21 Q4 FY20 Q3 FY21 Q4 FY21 FY 20 FY 21 FX ■Trading - FICC Core Fees Distribution Proc Fee ■Credit Cards Gen. Banking Trade and Others apno ka bank | RBL Bank 14#15Operating Costs Lower; Driven by Lower Business Volumes and Cost Efficiency Operating Expenses 2,826 2,755 770 683 718 60% 54% 62% 57% 55% 6% 5% 9% 7% 5% 6% 6% 9% 7% 9% 31% 27% 26% 31% 29% Q4 FY20 Q3 FY21 Q4 FY21 apno ka bank | RBL Bank FY 20 FY 21 ■ Employee ■Premises Depreciation Others 15#16Credit Costs including Accelerated/ Additional Provisioning Net Credit Cost by Business (bps) 56 99 99* 112* 43 43 52 42 60 60 113* 128** Q4 FY20 Q3 FY21 Q4 FY21 (14) • apno ka bank | RBL Bank ■Wholesale ■ Retail Not Annualized for the bank or at individual segment level for the quarter ** Includes Rs. 70 crore additional provision on Unsecured advances 339 410 301** 217 122 109 FY 20 FY 21 16#17Advances Mix and Growth Driven By Retail Yield C&IB Mar 31,2021 18,323 Mar 31,2020 19,846 YOY Proportion FY 21 (8%) of which IFI 1,091 1,648 (34%) 7.6% (9.1%) 41% CB 5,910 7,611 (22%) Wholesale 24,233 27,457 (12%) Business Loans 10,765 10,457 3% Credit Cards 12,177 10,509 16% Micro-banking 7,132 6,445 11% 15.2% (16.0%) Housing Loans 1,669 325 59% Retail Agri 1,185 1,169 1% Others 1,462 1,657 (12%) Retail 34,390 30,562 13% FY20 yields in brackets Total 58,623 58,019 1% apno ka bank | RBL Bank 17#18Borrowers' External Rating Profile* - Consistently Moving Up the Risk Curve Dec 31, 2020 Mar 31, 2021 Mar 31, 2020 56,163 4,710 8.4% 52,024 8,755 16.8% 51,991 9,386 18.1% 17,451 31.1% A- or 15,228 29.3% A- or 15,766 30.3% A- or better better better 72.8% 75.2% 77.6% 18,707 33.3% 15,138 29.1% 15,176 29.2% 11,624 20.7% 9,523 8,723 18.3% 16.5%** 16.8% 15.5%* ** 3,671 6.5% 3,380 2,940 6.5% 3.5%** 5.7% 2.8%** External Ratings External Ratings External Ratings AAA A-, AA-, AA, AA+ BBB-, BBB, BBB+ A,A+ 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 18#19Additional Colour on BBB and BB Rated Exposure • BBB Rated Exposure Fully Secured, granular portfolio both in terms of size and sectoral exposure Highest sectoral exposure of 1.6% . 295 customers with average exposure of Rs. 30 crore • Highest single exposure is Rs. 260 crore, fully secured Reduction in total exposure of Rs. 2,900 crore in FY21 - Net downgrades to BB Rs. 590 crore; Net upgrades to A- or better Rs.889 crore; Net Reduction in exposure Rs. 1422 crore BB and below Rated Exposure Portfolio almost fully secured and granular both in terms of size and sectoral exposure 240 total customers with an average of Rs. 12 crore . Approx.50% of the exposure has a facility rating better than investment grade Largest exposure of Rs. 200 crore, fully secured, consistently being pared down; exposure reduced by Rs. 150 crore in FY21 3 accounts between Rs. 100 crore - Rs. 150 crore, of which one account is non-fund exposure Given the granularity and risk reduction over the last 18-24 months, these exposures are now BAU apno ka bank | RBL Bank 19#20Diversified Industry Mix - Low Industry Concentration Top 10 Industry* Industry NBFC (ex. HFC & DFI) Construction Power Retail/ Distribution Engineering Real Estate HFC Professional Services Metals Pharma Outstanding FB-NFB Split FB+NFB Exposure % of Outstanding FB+NFB Exposure 3,466 99:1 4.6% 3,031 28:72 4.1% 2,623 39:61 3.5% 2,018 71:29 2.7% 1,999 36:64 2.7% 1,632 88:12 2.2% 1,584 100:0 2.1% 1,387 74:26 1.9% 1,311 76:24 1.8% 1,159 72:28 1.6% As of Mar 31, 2021 based on actual outstanding Particulars Guarantees Letter of Credit, Acceptances, Endorsements and other Obligations apno ka bank | RBL Bank Non Fund Based Book March 31, 2021 9,834 4,710 March 31, 2020 11,133 Dec 31, 2020 10,859 4,926 4,185 20 20#21March 31, 2021 Dec 31, 2020 (Proforma) Quarter Ended Sep 30, 2020 (Proforma) June 30, 2020 March 31,2020 Asset Quality - Strengthened PCR During FY21 Movement of Gross NPAs Opening Balance 2,610 2,001 1,992 2,137 2,010 (+) Additions during the period 1,439 1,470 234 5 709 (-) Upgrade 322 5 3 3 53 (-) Recoveries 454 78 103 40 179 (-) Write Offs 671 779 119 106 350 Closing Balance 2,602 2,610 2,001 1,992 2,137 Gross NPA (%) 4.34% 4.57% 3.49% 3.45% 3.62% Net NPA 1,241 1,408 836 933 1,189 Net NPA (%) 2.12% 2.52% 1.49% 1.65% 2.05% Provisioning Coverage Ratio (PCR) 72.19% 68.77% 73.54% 70.46% 64.04% (%) Slippage Ratio 2.57% 2.62% 0.41% 0.01% 1.19% Net Restructured % 1.41% 0.91% 0.09% 0.09% 0.08% • Security Receipts as a percentage of total advances at 0.29% apno ka bank | RBL Bank 21 21#22Asset Quality – Net NPA stable YoY despite Covid challenges - Gross NPA by business segment Business segment Mar 31, 2021 Dec 31, 2020 Sep 30, 2020 June 30, Mar 31,2020 (Proforma) (Proforma) 2020 Wholesale 1.85% 1.75% 2.62% 2.67% 2.64% Retail 2.49% 2.82% 0.87% 0.78% 0.98% Business Loans 0.47% 0.90% 0.38% 0.38% 0.37% Credit Cards 1.17% 1.21% 0.07% 0.04% 0.22% Micro-Banking 0.44% 0.32% 0.16% 0.11% 0.12% Retail Agri 0.21% 0.23% 0.19% 0.20% 0.20% Others 0.19% 0.15% 0.08% 0.06% 0.07% Total 4.34% 4.57% 3.49% 3.45% 3.62% Net NPA by business segment Business segment Mar 31, 2021 Dec 31, 2020 Sep 30, 2020 June 30, Mar 31,2020 (Proforma) (Proforma) 2020 Wholesale 0.93% 0.77% 1.03% 1.19% 1.52% Retail 1.19% 1.75% 0.46% 0.45% 0.53% Business Loans 0.28% 0.75% 0.21% 0.23% 0.26% Credit Cards 0.43% 0.50% 0.03% Micro-Banking 0.23% 0.22% 0.08% 0.05% 0.08% Retail Agri 0.15% 0.17% 0.12% 0.15% 0.16% Others 0.10% 0.11% 0.03% 0.02% 0.03% Total 2.12% 2.52% 1.49% 1.65% 2.05% apno ka bank | RBL Bank 22 22#23Capital Adequacy - Well Capitalized Particulars Tier 1 Capital Funds* March 31, 2021 March 31, 2020 Dec 31, 2020 12,301 10,324 12,266 Tier 2 Capital Funds 637 751 611 Total Capital Funds 12,938 11,075 12,877 Total RWA Tier 1 CRAR* Total CRAR* RWA/Total Assets 73,948 67,326 71,818 16.6% 15.3% 17.1% 17.5% 16.4% 17.9% 73.5% 75.7% • 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 74.5% 23 23#24CASA Continues Strong Growth; Total Deposits Grew 9% Sequentially 36% YoY growth in CASA, 11% QoQ; Total deposits grew by 26% YoY, 9% QoQ CASA 29.6% CASA: 17,116 57,812 CASA 31.1% CASA: 20,867 67,184 CASA: 31.8% CASA 23,264 73,121 13.3% 12.9% 18.5% 13.0% 18.1% 16.6% 70.4% 68.9% 68.2% March 31, 2020 Dec 31, 2020 March 31, 2021 ■Term Deposits ■Savings Account Current Account apno ka bank | RBL Bank 24 24#25Deposits and Liquidity – Improving Granularity Driving Lower Costs - Declining Cost of Deposits and Cost of Funds Surplus Liquidity Position 6.90% 6.71% 6.40% 6.27% 6.75% 6.59% 6.37% 6.15% 5.98% 5.71% 5.45% 4,911 7,851 156% 158% 7,145 11,188 10.841 12,376 171% 155% 164% 164% 11,984 154% 5.92% 5.61% 5.32% 100% 100% 100% 80% 80% 90% 90% Sep 30, Dec 31, 2019 2019 March June 30, 31, 2020 2020 Cost of Deposits Sep 30, Dec 31, 2020 2020 -Cost of Funds March 31, 2021 Sep 30, Dec 31, 2019 2019 March 31, 2020 June 30, Sep 30, Dec 31, 2020 2020 2020 March 31, 2021 LCR Requirement -LCR maintained Surplus Liquidity (Rs. crore) Improving CASA Ratios Increasing Share of Retail Deposits 20,004 19,736 19,004 20,030 22,189 24,413 27,236 29.6% 30.1% 31.1% 31.1% 31.8% 26.5% 26.8% 29.3% 24.3% 24.2% 26.4% 28.7% 29.5% 29.4% 37.2% 36.3% 34.4% 32.9% 31.8% 32.4% 31.4% Sep 30, Dec 31, 2019 2019 March 31, 2020 -CASA Ratio June 30, Sep 30, Dec 31, 2020 2020 2020 Average CASA Ratio March 31, 2021 Sep 30, Dec 31, 2019 2019 March 31, 2020 June 30, Sep 30, Dec 31, 2020 2020 -Retail to Total Deposits March 2020 31, 2021 apno ka bank | RBL Bank Retail Deposits as per LCR (Rs. crore) 25#26Consistently Reducing Borrowings 17,007 Borrowing Breakup 12,070 4% 8% 11,226 39% 6% 7% 43% 34% 48% 51% 59% March 31,2020 Refinance December 31,2020 March 31,2021 FCY CBLO/LTRO ■LAF ■ Tier II apno ka bank | RBL Bank 26#27Investment Book Increase Driven By Surplus Liquidity Investment Breakup 18,150 24,939 1% 7% 8% 2% 3% 8% 23,230 2% 10% 6% 82% 84% 86% March 31, 2020 December 31, 2020 ■G-Sec ■Debentures & Bonds ■Money Market/Equities/MF March 31, 20201 Others Yield Yield Q4 FY21 Q3 FY21 Q4 FY20 FY21 FY20 Total Investments 6.0% 6.0% 6.8% 6.4% 7.3% SLR 6.4% 6.3% 7.1% 6.6% 7.3% Non SLR 5.1% 6.5% 8.3% 6.7% 8.7% apno ka bank | RBL Bank 27 27#28Cost of Deposits/ Cost of Funds Trending Lower QoQ 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% Post Listing Performance 8.8% 8.3% 7.7% FY17 FY18 FY19 Q1FY20 Q2FY20 Q3FY20 Q4FY20 Q1FY21 Q2FY21 Q3FY21 Q4FY21 Yield on Advances 11.1% 10.5% 11.2% 12.0% 12.1% 12.3% 12.5% 13.0% 12.3% 11.5% 11.2% Cost of Funds 7.0% 6.3% 6.6% 6.8% 6.8% 6.6% 6.4% 6.1% 5.9% 5.6% 5.3% Cost of Deposits 7.1% 6.5% 6.8% 7.0% 6.9% 6.7% 6.4% 6.3% 6.0% 5.7% 5.5% apno ka bank | RBL Bank 28#29Co Co For Ho ල Co Distribution Network CHO HO e COCDO G ceeeeee belo CADO#30Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 7.32 7.82 8.49 8.44 8.76 9.08 9.63 GIFT city 10 branch 13 (14) 12 5 25 14 17 Branches 45 New Delhi Sep 30, Dec 31, 2019 2019 March June 30, Sep 30, 31, 2020 2020 2020 Dec 31, March 2020 31, 2021 Channel Breakup Channels Number of transaction points March 31, Dec 31, 2020 March 31, 2020 2021 429 403 386 121 17 Daman Puducherry & Diu Metro Urban Semi-urban 232 209 197 61 60 57 73 73 76 6 54 Rural 63 61 56 Dadra & Nagar Haveli Branch, ATM, BC Banking Outlets (BOS) 260 259 263 ATM BC Branches (incl. BOs) 1,365 1,327 1,245 45 BC Of which RBL Finserve 758 730 651 7 Goa Figures in circles refer to number of branches in given state/union territory apno ka bank | RBL Bank Of which for Microbanking 1,158 1,134 1,057 Of which for MSME & Housing 207 193 188 ATMs 412 412 389 30#31Co For Ho ල Co COOCCO DDO DODO Co Shareholding Pattern & Ratings GOODOOD DOO CHO HO COCDO G ceeeeee belo CADO e#32Diversified Shareholding & Strong Rating Profile Shareholding by category (%) 1.4 1.5 6.1 Instrument Basel III compliant Tier II bonds 22.8 Ratings Rating 31.9 23.1 13.2 Certificate of Deposits Individual/HUFS Foreign Corporates VCF/MF/Pension Funds/Insurance FPI ■Body Coporates NRIS Others Total Foreign holding - 46.5%. Approved limit - 74% apno ka bank | RBL Bank ICRA AA-hyb (Stable) (Re-affirmed dated Feb. 22, 2021) CARE AA- (Stable) (Re-affirmed dated Oct 8, 2020) ICRA A1+ (Re-affirmed dated Feb. 22, 2021) Medium term fixed deposit programme ICRA MAA (Stable) (Re-affirmed dated Feb. 22, 2021) Short term fixed deposit programme ICRA A1+ (Re-affirmed dated Feb 22, 2021) 32 22#33Co Co For Ho ල Co Micro-Banking Update | eee e CHO HO e COCDO G ceeeeee belo CADO#34Micro-Banking Distribution Network (1) (50) 6 (42) (82) 93 (54) (118) (47) 58 (47) 26 51 99 (22) (79) 115 (23) 6 111 29 131 (32) (2) . 16 83 (10) Micro-Banking Presence • Figures in brackets refers to branches of RBL Finserve apno ka bank | RBL Bank RBL Finserve Other BCS BC Branches Opened in FY-21 : 173 State & District Presence: 21 States and 1 Union Territory 415 Districts Branches : Micro-Banking Branches: 1,200 ⚫ RBL Finserve Branches: 609 Banking Outlets: 260 34#35Micro-Banking - Portfolio Concentration reducing in top 3 / 5 states RBL Portfolio-Top3 and Top5 States State Name % of Portfolio % of Portfolio 58% 41% 56% 39% Mar'21 Mar'20 54% 36% Tamil Nadu Bihar Rajasthan 12.9% 13.4% 12.8% 14.7% 10.9% 7.3% Karnataka 9.0% 8.8% Maharashtra 8.4% 10.7% Mar'19 Mar'20 ■Top-3 ■Top-5 Industry Comparison Top-3&Top-5 States Concentration Mar'21 Uttar Pradesh 7.8% 3.4% West Bengal 7.2% 8.5% Odisha 5.3% 6.2% Madhya Pradesh 5.1% 4.9% 63% 54% 55% Haryana 3.8% 3.9% 48% 36% 40% Punjab 3.6% 4.6% Gujarat 3.2% 3.1% Jharkhand 3.0% 2.1% Top 3 states Top 5 states ■RBL Peers ■Industry Assam 2.0% 2.8% Kerala 1.6% 1.5% Chhattisgarh 1.2% 1.7% • Geographical diversification and state / district caps ensure lower geographical concentration than Peers Uttarakhand 0.7% 0.8% Tripura 0.5% 0.5% • State concentration cap of 15% • District cap - 2% Puducherry 0.4% 0.4% Goa 0.4% 0.6% Meghalaya 0.1% 0.1% Himachal Pradesh Grand Total 0.03% 0.0% 100.0% 100.0% 98% districts have < 1% contribution 10 districts have between 1 to 1.5% contribution apno ka bank | RBL Bank Source: Equifax Peers: two largest banks, two SFB's and two prominent MFI's 35 55#3623,356 20,393 19,599 In Rs. crores 28% Advances Portfolio growth driven by new customers, ticket size growth moderate 3.33 Mn active loan accounts 12% 7,265 6,469 5,038 Mar 31,2019 Mar 31,2020 Average OS Balance RBL Peer -Industry Mar 31,2021 26,456 38,709 24,846 24,814 24,823 23,042 22,082 22,252 22,293 34,000 22,395 22,15021,316 32,262 20,855 Mar-19 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-19 Average outstanding per customer lower than Peers Source: Equifax Peers: two largest banks, two SFB's and two prominent MFI's 10 Q1 621 887 974 21 800 992 1,273 978 Q2 Disbursement 929 1,150 1,518 1,530 Q3 FY18 FY19 FY20 FY21 Average Ticket Size of new loans RBL 1,249 1,759 2,132 2,250 Q4 Peer -Industry 41,471 38,880 36,949 31,788 33,265 35,646 34,879 31,736 30,093 31,087 28,619 21,724 Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Average Ticket size has decreased post pandemic 36#37Micro Banking - Portfolio Outlook Portfolio composition 47% -53% Collection Effiicency 99% 101% 98% 62% 98% 97% 93% ■ Old Book-Pre-Covid New Book-Post Covid Sep'19 Dec'19 Mar'20 June'20 Sep'20 Dec'20 Mar'21 90+ dpd comparison 6.85% 6.05% 5.35% 5.19% 4.98% 4.71% 2.50% 1.75% 0.95% 1.24% 0.56% 0.81% 0.41% 0.55% 0.93% 0.69% 0.63% 0.39% 0.33% 0.47% 0.36% 0.22% Mar-19 0.31% 0.17% 0.28% 0.75% 0.34% 0.11% Jun-19 Sep-19 Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Feb-21 -RBL PG1 -PG4 -Industry PG1: two largest banks, two SFB's and two prominent MFI's, PG-4: NBFC-MFI-Data apno ka bank | RBL Bank Source: Equifax 37#38Co For Ho ල Co Ja Co CHO Credit Card Update HO e COCDO G ceeeeee belo CADO#39Growth & Market Share Feb'20 RBL Industry CIF 2.6 M 57.2 M 2.9 M ▲ 10% Spends 2,795 Cr 62,903Cr 2,864 Cr ▲ 2% RBL Feb'21 Industry 61.6 M ▲ 8% 60,357 Cr -4% Advances 10,551 Cr 1,10,946 Cr 12,719 Cr ▲ 21% 1,16,290 Cr ▲ 5% Market Share - Cards (#) Market Share - Spends 4.6% 4.8% 4.7% 4.8% 5.0% 4.7% 5.1% 4.9% 4.4% 4.6% 4.6% 4.7% 3.6% 2.9% 2.1% 2.0% Mar'18 Mar'19 Feb'20 Mar 20 Jun'20 Sep'20 Dec'20 Feb'21 Mar'18 Mar'19 Feb'20 Mar'20 Jun'20 Sep'20 Dec'20 Feb'21 apno ka bank | RBL Bank Market Share - Advances 9.5% 9.8% 10.6% 10.7% 11.0% 10.9% 6.0% 3.3% Mar'18 Mar'19 Feb'20 Mar 20 Jun'20 Sep'20 Dec'20 Feb'21 Source RBI Data 39#40Credit Cards - Portfolio Trends Cards in Force* (Million) 2.96 2.82 2.85 2.89 2.66 2.71 2.61 0.35 T Q4'20 Q1'21 Q2'21 Q3'21 Jan'21 Feb'21 Mar'21 Advances Breakup (Cr.) 10,620 10,312 11,292 12,174 12,258 12,719 12,634 0.04 Acquisition (Million) 0.38 0.36 0.20 0.14 0.12 0.13 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Jan 21 Feb'21 Mar'21 8,327 22% 17% 19% 27% 28% 28% 27% 34% 29% 31% 22% 21% 20% 21% 47% 49% 52% 51% 51% 52% 52% Total Spends (Cr.) 8,625 9,169 4,682 7,003 hill 2,897 2,858 3,414 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Jan 21 Feb'21 Mar'21 Q4'20 Q1'21 Q2'21 Q3'21 Term Revolver Jan'21 Feb'21 Mar'21 ■Transactor # Reinstated for previous period basis revised RBI definition 40 apno ka bank | RBL Bank#41Credit Cards Portfolio Trends Retail Spend Consumer Loans ('000) 925 22,684 21,173 19,323 20,003 20,441 20,105 696 15,110 539 11,455 10,564 10,403 10,118 9,094 9,827 5,905 Q4'20 Q1'21 Q2'21 960 876 300 286 291 Q3'21 Jan'21 Feb'21 Mar'21 Retail Spend/Active Card Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Jan'21 Feb'21 Mar'21 Retail Spend/Card 30 Day Retail Active E-com Spend Share 55% 55% 49% 49% 49% 50% 51% 45% 46% 47% 47% 47% 47% 43% 39% Q4'20 Q1'21 Q2'21 Q3'21 Jan'21 Feb'21 Mar'21 Q4'20 Q1'21 Q2'21 Q3'21 Q4'21 Jan'21 Feb'21 Mar'21 Retail Spends better YoY and QoQ, Consumer loans dropped QoQ as Q3 was festive quarter apno ka bank | RBL Bank # Retail Spend parameter are measured as of qtr end 41#42Credit Cards - Customer Segment insights Salaried: Self Employed (SE) mix 1.14 29% Salaried City Tier Mix 0.79 20% 12% 0.89 68% 1.06 0.94 71% Self-Employed Age Group Mix TIER 1 TIER2 TIER3 Carded Mix 1.90 0.88 18% 20% 1.04 13% 1.23 3% 27% 35% 1.06 0.99 0.90 84% Below 30 30-35 35-45 45+ NTC ■Bureau Tested ■Carded Bias towards safer segments. Contribution of Salaried and Tier 3 higher in new acquisition apno ka bank | RBL Bank Source: TransUnion / CIBIL 42 $90+ Base Indexed Delinquency Rate#43Spend Recovery Spend Impact and Recovery Spends Spends by category 100% 101% 55% اللي Spend per Card ratio 128% Spend Type" Mar'20 Mar'21 (Mar'21 vs 114% Mar'20) Daily 78% 76% 1.14 Ecom 51% 53% 1.18 POS 49% 47% 1.10 Discretionary 17% 20% 1.35 Mar'20 Lockdown* Sep'20 Dec'20 Mar'21 Ecom 16% 21% 1.74 * Apr & May'20 POS 84% 79% 1.24 Spends which dropped to 55% levels Travel 5% 4% 0.96 in Apr & May are higher than Pre-Covid. Ecom 54% 61% 1.07 POS 46% 39% 0.82 #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 Ecom spend share has increased across categories Discretionary spends came in strong in March 21 Total 100% 100% 1.17 Ecom 45% 47% 1.21 POS 55% 53% 1.13 43#44Credit Cards - tighter control on new bookings resulting in lower delinquencies than industry. 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 6MOB$30+ Comparison with Industry 6 MOB30+ spike as these cards immediately went into lockdown without moratorium eligibility. No dpd movement due to moratorium Jan'19 Feb'19 Mar'19 Apr'19 May'19 Jun'19 Jul 19 Aug'19 Sep'19 Oct'19 Nov'19 Dec'19 Jan'20 Feb'20 Mar'20 Apr'20 May'20 Jun'20 Jul'20 ⚫INDUSTRY RBL 100% Collection efficiency back to normal 100% 94% 89% 86% 84% 85% 85% 81% 100% 101% 101% 100% 98% Pre-Covid Mar'20 Apr'20 May'20 June'20 July'20 Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Mar'21 apno ka bank | RBL Bank Source: TransUnion / CIBIL 44#45Tighter risk measures on new acquisition - lowering risk in the portfolio 2.50 Lower value @ risk for same number delinquency vs industry Higher proportion of low risk clients 70% 2.00 60% 1.92 1.66 50% 1.51 1.50 1.50 1.37 1.32 40% 1.26 1.00 0.50 0.00 Apr'19 Jun'19 0.92 30% 20% 10% Pre-Covid Post-Covid 0% Sep'19 Jun'20 Risk Category 1 Risk Category 2 Increasing Risk Risk Category 3 -Industry RBL Sharper exposure management across risk bands leading to lower value at risk for same number delinquency. Measured as Ratio of 6 MOB 30+ ($) / 6 MOB 30+ (#) apno ka bank | RBL Bank Significantly tighter risk filters - higher proportion of lower risk. Further tightening in April'21 removing 20% of acquisition. 45#46Conservative exposure strategy post Covid on new acquisition - lower value at risk Prudent Credit limit assignment 101,404 Average Credit Limit for new customers 120,000 ⚫Pre-Covid 110,000 Post-Covid 61,411 100,000 45,042 90,000 48,479 37,866 80,000 70,000 Risk Category 1 Risk Category 2 Increasing Risk Risk Category 3 Jul-Sep'20 Oct-Dec'20 Jan-Mar'21 Average Credit limit Off Us Average Credit limit On Us Reduction in exposure through conservative limit assignment on new cards - reducing value at risk - Limit assignment much lower than other cards held by the customer – build up exposure basis risk profile post six months apno ka bank | RBL Bank Source: TransUnion / CIBIL 46#47Co For Ho ල Co DODO Co CHO Branch and Business Banking Update | pee Se DOO COCDO HO G ceeeeee belo CADO e#48Granularity in Branch Banking TERM DEPOSIT CASA apno ka bank | RBL Bank 61% 33% 90% Growth in CASA MEB over Mar'20 Growth in CASA acquisition from Q4 20 to Q4 21 Incremental growth of total deposits of FY21 is retail LCR 90% 47% 77% Contribution of >1 year tenure TD in FY 21 Growth in TD acquisition from Q4 20 to Q4 21 Contribution of <5Cr TD value in FY 21 18 48#49Growth in Digital New Contactless Debit cards VOKFAN VORP VISA RBLBANK platinum 6949 ShE2 109h VIKRAM VERMA 05/24 New Segmented Apps 86% b b RBL BizBank RBL Diplomat Cardless cash withdrawal Paperless onboarding 1111 Not carrying your card? No Worries! Introducing IMT Instant account opening Video KYC Mobank Cardless Cash Withdrawal at ATM Tap & Pay thru' mobile Pay by Z Bank app mastercard On Mobank (our Mobile banking app) apno ka bank | RBL Bank Scan & Pay Investments in Mutual funds are source online (Volume) 60% Total Deposits (FD & RD) sourced Digitally 62% Unique adoption digital channels Mobile/ eBanking/ Chatbot/ whatsapp 10X Jump in online bill payments 回 1.3X Premium Debit card launched in Mar'20 with spend ATS 1.3X more than regular Debit card (15% penetration) 49#50- Growing through partnerships – Open banking Our Strategy Our Proposition Paperless Customer Onboarding COMPLIMENTS US Service & Support 01 Customer 06 augment our existing strength 02 Onboarding Plug & Play API stack across your EXPANDS REACH into newer geographies 05 customers' lifecycle 03 Invisible Aadhar KYC Authentication 04 EXTENDS US in newer segments Our Partners Razorpay apno ka bank | RBL Bank Video KYC Seamless Payments Virtual account Reconciliation Risk based Access ChatBot Card control tide Co branded Debit card Service requests 50#51Co Co CHO For Ho ල Co Digital Banking Update HO e COCDO G ceeeeee belo CADO#52Deeper Connect by enhancing the value proposition in the payments landscape... 7 Correspondent bank relationships Payment and 6 Collection through APIs, eNACH API 5 apno ka bank | RBL Bank Interbank tieups for Nostro settlements 1 Digital Onboarding Issuance, Acquiring services 2 Cash AEPS, DMT, Indo Nepal, PPI, UPI withdrawal/ account transfer Unified Payments Interface RDA, LRS, Nodal API services, FX Cards UPI based collections alerts, statements Platform Aggregation/ Merchant Acquirers 4 Remittance solutions 3 52 52#53Our market standing in the digital space... API Hits: 5L payment API hits daily AEPS: RBL # 5 in terms of transaction processed MFI: RBL 25% market share disbursements through API 63.51 L 23.20 CR ~40 CR For period Apr 20 to Sep' 20 Total Number of Customers Total Transaction Volume Total no of API calls 17.62 No of Merchants ~30L apno ka bank | RBL Bank PPI Customers 15.04L Customer Service Points 53 33#54• • Deepening our digital footprint... Issuance Products INR Remittances FX Products Acquiring & Aggregation API, UPI & Others 5 clients in pipeline over the next quarter. Salary disbursement on Prepaid is a value proposition, with the extended limit by the regulator from 11 to 2L the use case now has a broader coverage. Metro Prepaid Card is in development stage and WIP eKYC based BC agent onboarding. Near real time settlement for AEPS product launched. Volumes increased by -35% Strengthening the IndoNepal framework by consolidation and enhancing the technology architecture Initiated (micro ATM) for cash withdrawal at BC points using cards • 4 new BC partners onboarded CUG testing for a large exchange house offering Outward Remittance under Liberalised Remittance scheme. Planned commercial launch in May 2021 1 Large Exchange House for RDA under PipeLine. ~3% growth in value QOQ . QOQ transaction volume growth of 57% and value growth of 74%. Significant ramp up post covid lockdown easing. "Tap on Phone" Contactless payments acceptance through all networks live through multiple partners. Scalable solution of converting mobile to a POS device for accepting payments through NFC enabled cards. V • • Achieved over ~25% market share of disbursements & 40% AUM in the MFI market Bouquet of API solutions across payment & collection services API hits increased over 300% from 0.30lakh API transactions to 3 lakh API transactions per day. Completed UPI Auto Pay Certification Launched API version for emandate services. apno ka bank | RBL Bank 54#55Co For Ho Co Co CHO Marketing & CSR Update GOODOOD DOO HO e COCDO G ceeeeee belo CADO#56Key Highlights for Q4 FY21 Won 3 accolades at coveted National and International Awards A BEST BANK AWARDS 2021 ASIAMONEY BEST BANK FOR CSR INDIA The Asset Triple A BEST EMERGING DIGITAL TECHNOLOGIES "VIDEO KYC PLATFORM" business today Best Bank Awards India's Best Bank for CSR Asiamoney Awards 2021 Best Emerging Digital Technologies Project The Asset Triple A Digital Awards 2021 Best Enterprise Resilience Business Today KPMG Best Banks Jury Award Tie-up Announced RBL Bank's first Multi-National Neobanking association with Tide, UK to offer business accounts, related banking, and value-added services. apno ka bank | RBL Bank 56#57Co For Ho ල Co Ja Co Annexures GOODOOD DOO CHO HO COCDO G ceeeeee belo CADO e#58Board of Directors Mr. Prakash Chandra Non-Executive Independent Director (Part Time Chairman) Previously, Chairman of Central Board of Direct Taxes (CBDT) Mr. Vishwavir Ahuja Managing Director and CEO Previously, Managing Director & Country Executive Officer of Bank of America for Indian Sub-continent Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company Mr. Vijay Mahajan Non-Executive Director Previously, Founder of Basix Social Enterprise Group Ms. Veena Mankar Non-Independent Director Currently, Chairman of RBL Finserve Ltd. Previously, Founder of Swadhaar Finserve Pvt. Ltd. And Swadhaar FinAccess Ms. Ranjana Agarwal Independent Director Founder and managing partner of Vaish & Associates, Chartered Accountants Mr. Ishan Raina Independent Director Previously, Founder of Out of Home (OOH) India, Associated with J. Walter Thompson (JWT) and Lintas Advertising Mr. Vimal Bhandari Non-Executive Additional Director Executive Vice Chairman and CEO with Arka Fincap Limited (AFL) Mr. Somnath Ghosh Additional Non-Executive Independent Director Retired Professor and Founding Dean (Academics) from Indian Institute of Management Kashipur apno ka bank | RBL Bank 58 58#59Professional 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 (38) Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company (34) Mr. Brijesh Mehra Head Risk & 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 (35) (34) Mr. Jaideep lyer - Head Strategy Previously, Group President and Deputy CFO - Yes Bank Ms. Shanta Vallury Gandhi Head - HR, CSR & Internal Branding Previously, Vice President of Acquisitions and Partnerships Division in American Express Bank Ltd (Gurgaon) (28) (22) Mr. Harjeet Toor Head - Retail, Inclusion and Rural Business Mr. Surinder Chawla Head Geography, Branch and Business Banking Previously, associated with Bank of America, ABN AMRO Bank and Fullerton India Credit Company Previously, associated with Standard Chartered Bank, ABN Amro Bank and HDFC Bank (28) (26) Mr. Deepak Kumar Chief Risk Officer Mr. Sankarson Banerjee Chief Information Officer Previously, Chief Technology Officer, National Stock Exchange (23) Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank Previously, associated with State Bank of India and member of RBI committees (37) 59#60Professional and Experienced Leadership Team (Contd.) Mr. Bhavtaran Singh (Sunny) Uberai Head- Client Services Previously, associated with ABN Amro Bank and Arete Financial Partners, Singapore Mr. Sanker Parameswaran Head - Legal Mr. Pankaj Sharma Chief Operations Officer Previously, Head Retail Operations, Axis Bank (35) (20) Previously, associated with ICICI Bank, Indian Hotels, Amway India Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank (35) 60#61Profit & Loss Statement Particulars Q4 FY21 Q4 FY20 Q3 FY21 FY21 FY20 Income Interest Earned 1,922 2.208 1,980 8,215 8,514 Interest Expended 1,016 1,187 1,072 4,427 4,885 Net Interest Income 906 1,021 908 3,788 3,630 Other Income 688 501 580 2,058 1,910 Total Income 1,594 1,522 1,488 5,845 5,540 Expenditure Operating Expenses 718 770 683 2,755 2,826 Employee Cost 207 200 211 845 768 Premises Cost 63 52 58 259 210 Depreciation 41 41 39 158 138 Other Operating Expenses 407 477 375 1,492 1,709 Operating Profit 877 752 805 3,091 2,714 Provisions 766 601 610 2,402 1,962 On advances 734 588 620 2,383 1,965 On others 32 14 (10) 19 (4) Profit Before Tax 110 151 195 689 753 Tax 35 36 48 181 247 Profit After Tax 75 114 147 508 506 apno ka bank | RBL Bank 61#62Balance Sheet Statement Particulars Liabilities March 31, 2021 Dec 31, 2020 March 31, 2020 Capital 598 598 509 Reserves and Surplus 12,065 11,986 10,074 Deposits 73,121 67,184 57,812 Borrowings 11,226 12,070 17,007 Other Liabilities 3,641 4,600 3,576 Total 100,651 96,437 88,978 Assets Cash & Balances with RBI 6,705 6,295 6,415 Balances with other banks 6,720 3,751 2,442 Investments (Net) 23,230 24,939 18,150 Advances (Net) 58,623 56,444 58,019 Fixed and Other Assets 5,373 5,009 3,952 Total 100,651 96,437 88,978 apno ka bank | RBL Bank 62#63Consolidated Profit & Loss Statement Particulars Q4 FY21 Q4 FY20 Q3 FY21 FY21 FY20 Income Interest Earned 2,014 2,282 2.062 8.561 8,779 Interest Expended 1,016 1,188 1,071 4,425 4,885 Net Interest Income 998 1,094 991 4,136 3,894 Other Income 691 502 574 2,049 1,918 Total Income 1,689 1,596 1,565 6,185 5,812 Expenditure Operating Expenses 811 843 760 3,071 3,103 Employee Cost 292 257 282 1,122 968 Premises Cost 68 57 64 279 225 Depreciation 45 43 41 170 146 Other Operating Expenses 406 486 373 1,500 1,764 Operating Profit 878 753 805 3,114 2,709 Provisions 765 601 610 2,401 1,961 On advances 734 588 620 2,383 1,965 On others 31 13 (10) 18 (4) Profit Before Tax 113 152 195 713 748 Tax 37 36 48 183 247 Profit After Tax 76 116 147 530 501 apno ka bank | RBL Bank 63#64Consolidated Balance Sheet Statement Particulars March 31, 2021 Dec 31, 2020 March 31, 2020 Liabilities Capital 598 598 509 Reserves and Surplus 12,068 11,990 10,056 Deposits 73,055 67,105 57,812 Borrowings 11,226 12,070 17,007 Other Liabilities 3,672 4,642 3,600 Total 100,619 96,405 88,984 Assets Goodwill on Consolidation 41 41 41 Cash & Balances with RBI 6,705 6,298 6,415 Balances with other banks 6,738 3,758 2,443 Investments (Net) 23,085 24,793 18,055 Advances (Net) 58,623 56,444 58,006 Fixed and Other Assets 5,427 5,071 4,024 Total 100,619 96,405 88,984 apno ka bank | RBL Bank 64#65Our Recent History Particulars FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 12,254 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 Advances (Net) 1,905 4,132 6,376 9,835 14,450 21,229 29,449 40,268 54,308 58,019 58,623 Investments (Net) 892 2,334 5,571 6,518 9,792 14,436 13,482 15,448 16,840 18,150 23,230 Net Profit 12 66 92 93 207 292 446 635 867 506 508 CRAR (%) 56.4 23.2 17.1 14.6 13.1 12.9 13.7 15.3 13.5 16.4 17.5 Gross NPA (%) 1.12 0.80 0.40 0.79 0.77 0.98 1.20 1.4 1.38 3.62 4.34 Net NPA (%) 0.36 0.20 0.11 0.31 0.27 0.59 0.64 0.78 0.69 2.05 2.12 Business per 4.4 6.7 7.9 7.7 9.1 11.8 13.1 19.3 16.0 16.9 employee 15.9 No. of employees 907 1,328 1,859 2,798 3,465 3,872 4,902 5,300 5,843 7,221 7,816 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 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 apno ka bank | RBL Bank 65#66Thank 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 66