#1Oct 28, 2021 Investor Presentation @2 FY 22 C 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. Neither the Company nor any of its advisors or representatives shall have any responsibility or liability whatsoever (for negligence or otherwise) for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection with this presentation. 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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 AEPS Aadhaar Enabled Payment System INR Indian Rupee Agri Agribusiness Banking ΠΙΡΟ Initial Public Offering ΑΡΙ Application Programming Interface LAP Loan Against Property ARC Asset Reconstruction Company IMF 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 Performing 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 FICC Fixed Income, Currency and Commodity 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 IFPI Foreign Portfolio Investor RoE Return on Equity FY GNPA 12 month period ended March 31 Gross Non Performing Assets RWA SDR G-Sec Government Securities SLR GST Goods and Services Tax UPI HUF Hindu Undivided Family US Risk Weighted Assets Strategic Debt Restructuring Statutory Liquidity Ratio Unified Payments Interface United States IFI Institutional Financial Inclusion VCF Venture Capital Funds RBL RBL Finserve Ltd. YoY Year on Year 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 11 29 31 Micro-Banking and Retail Update 33 Credit Card Update 40 Branch and Business Banking Update 50 Payments Business Update 54 Annexures apno ka bank | RBL Bank 58#5Co Co CHO For Ho ල Co Key Performance Highlights GOODOOD DOO HO e COCDO G ceeeeee belo CADO#6Q2 FY22 Financial Highlights YoY Revenue growth of 12% aided by Other Income growth of 42% PPOP growth of 2% YoY to Rs. 691 crore; Net Profit at Rs. 31 crore for Q2 FY22 NIM at 4.1%, impacted by interest reversals Wholesale Advances Grew 5% YoY; Retail: Wholesale mix at 55:45 Strong Deposit growth of 17% YoY (1% sequentially) to Rs. 75,588 crore; Average LCR at 155% for the quarter Strong CASA growth of 33% YoY (7% sequentially) to Rs 26,734 crore; CASA Ratio at 35.4% vs. 33.7% in Q1FY22; Retail and Small business deposits ratio at 41.6% GNPA at 5.40% vs. 4.99% in Q1FY22, NNPA at 2.14% vs. 2.01% in Q1FY22 PCR (incl tech w/off) sequentially increased by 28bps to 76.6% in Q2FY22 vs 76.3% in Q1FY22; PCR (excl. tech w/off) increased 72bps sequentially to 61.7% Total customer base of 9.97 million; addition of 0.14 million in the quarter apno ka bank | RBL Bank CO#7Q2 FY22 Highlights Contd.... Strong Revenue and Operating Profit Growth ■ Total Revenue grew 12% YoY to 1508 crore ■ Core Fee Income grew 46% YoY to Rs. 506 crore Operating profit grew 2% YoY to Rs. 691 crore Handsome Deposit Growth Continues.. ■ Total Deposits grew 17% YoY and 1% QoQ ■ CASA grew 33% YoY and 7% QoQ Highest ever CASA ratio at 35.4%, up 170bps sequentially ■ SA Deposits grew 35% YoY Retail Deposits (as per LCR definition) grew 6% QoQ to 41.6% Healthy Capitalisation and Liquidity Levels ▪ CRAR at 16.33% and CET 1 to 15.54% ■ RWA/Total assets stable at 73.3% ▪ LCR at 155% for the quarter Asset Quality ■ GNPA at 5.40%; NNPA at 2.14% ■ PCR (incl tech w/off) sequentially increased by 28bps to 76.59% ■ PCR (ex-tech write off) increased 72bps sequentially to 61.66% ■ Rating Profile improving with 78.3% in the A- and better category from 75.1% in Q2 FY21 Continued Increase in customer base and distribution network Customer base increased by 0.14 million QoQ, to 9.97 million Distribution network of 445 branches, 386 ATMs and 1435 BC branches Digital Business Update ■▪ Ranked #8 in AEPS transactions processed, increase in AEPS volumes by 31% QoQ ■ Coverage of 22.69 lakhs Merchants 7#8Q2 FY22 Highlights Net interest Income Rs. 915cr YoY Growth (2%) Core Fee Income Rs. 506cr 46% Net Total Income Rs. 1,508cr 12% Operating Profit Rs. 691cr 2% Net Profit/ (Loss) apno ka bank | RBL Bank Rs. 31cr 8#9Q2 FY22 Highlights Contd.... Advances Rs. 56,009cr YoY Growth QoQ Growth 0% (1%) Wholesale Advances Rs. 25,224cr 5% 3% Retail Advances Rs. 30,784cr (4%) (4%) Deposits Rs. 75,588cr 17% 1% CASA apno ka bank | RBL Bank Rs. 26,734cr 33% 7% 6#10Key Indicators – Business Breakup - Advances by Segment (%) 45.0% 55.0% ■ Wholesale ■ Retail Retail Advances Breakup (%) 4.0% 4.0% 5.0% 16.1% 40.5% Business Loans ■ Microbanking ■ Agri apno ka bank | RBL Bank 30.3% ■ Credit Cards ■ Housing Loans ■ Others Deposit Breakup (%) 22.6% 12.7% 64.6% Term Deposits Saving Deposits ■Current Deposits 10#11Co Co For Ho ල Co Financial Performance CHO HO e COCDO G ceeeeee belo CADO#12Net Total Income / PPOP Impacted By Interest Reversals Parameter Q2 FY22 Q1 FY22 QoQ Q2 FY21 YOY H1 FY22 H1 FY21 Net Interest Income 915 970 (6%) 932 (2%) 1,885 1,973 Other Income 593 653 (9%) 418 42% 1,246 759 Net Total Income 1,508 1,623 (7%) 1,350 12% 3,131 2,733 Operating Profit 691 766 (10%) 682 2% 1,457 1,379 Net Profit/ (Loss) 31 (459) 144 (429) 285 Parameter Q2 FY22 Q1 FY22 Q2 FY21 H1 FY22 H1 FY21 Other Income/Total Income 39.4% 40.2% 31.0% 39.8% 27.8% Cost/Income 54.1% 52.8% 49.5% 53.5% 49.5% Net Interest Margin 4.1% 4.4% 4.3% 4.2% 4.6% Credit Cost/Advances (bps)* 118 255 94 374 185 RoA 0.12% (1.88%) 0.62% (0.86%) 0.61% RoE 0.98% (14.51%) 5.23% (6.81%) 5.23% • Not Annualized apno ka bank | RBL Bank 12#13Balance Sheet Parameters Parameter Advances Deposits Investments Sep 30,2021 Sep 30,2020 YOY 56,009 56,162 0% 75,588 64,506 17% 21,773 21,277 2% Parameter Sep 30,2021 June 30,2021 Sep 30,2020 CASA 35.4% 33.7% 31.1% GNPA NNPA 5.40% 4.99% 3.34% 2.14% 2.01% 1.38% PCR (incl. Technical Write-offs) 76.6% 76.3% 74.8% PCR (excl. Technical Write-offs) 61.7% 60.9% 59.4% CRAR* 16.3% 17.2% 16.5% CRAR for interim financial periods has been computed after including interim results for better comparison apno ka bank | RBL Bank 13#14Core Fee Income Trending Up QoQ Other Income 1,246 Core Fee Income Breakup 653 593 759 20% 346 494 506 578 1,001 4% 24% 15% 24% 4% 4% 64% 6% 418 80% 6% 17% 65% 57% 63% 76% 76% 85% 2% 58% 3% 3% 12% 2% 2% 83% 13% 14% 11% 13% 8% 7% 8% 8% 9% 11% 11% 9% 12% 10% Q2 FY21 Q1 FY22 Q2 FY22 H1 FY21 H1 FY22 Q2 FY21 Q1 FY22 Q2 FY22 H1 FY21 H1 FY22 FX Proc Fee ■Trading - FICC Core Fees Distribution ■Credit Cards Gen. Banking Trade and Others apno ka bank | RBL Bank In line with RBI Master Directions dated 30th Aug 2021, Recoveries from Written off Accounts has been reclassed to Provision and Contingencies MTM on Standard Investments has now been netted off from Other Income 14#15Operating Costs Stable QoQ Operating Expenses 1,353 1,674 669 857 817 54% 57% 48% 55% 50% 5% 6% 12% 4% 5% 13% 6% 12% 12% 14% 32% 27% 29% Q2 FY21 Q1 FY22 apno ka bank | RBL Bank Q2 FY22 28% 32% H1 FY21 H1 FY22 ■Employee Premises ■ Depreciation ■ Others 15#16Credit Costs Lower QoQ; Bulk Of the Credit Costs Absorbed in H1 Net Credit Cost by Business (bps) 94* 255* 118* 32 32 62 =2 258 13 (3) 105 Q2 FY21 Q1 FY22 Q2 FY22 • apno ka bank | RBL Bank 185* 72 113 374* 364 10 H1 FY21 H1 FY22 Wholesale ■Retail Not Annualized for the bank or at individual segment level for the quarter 16#17Advances Mix; Cautious on Retail Growth C&IB CB Wholesale Sep 30,2021 19,397 Yield Sep 30,2020 YOY Proportion H1 FY22 17,815 9% 6.6% 5,828 6,204 (6%) (8.1%) 45% 25,224 24,020 5% Business Loans 9,333 10,901 (14%) Credit Cards 12,482 11,286 11% Micro-banking Housing Loans 1,548 576 4,959 6,686 (26%) 14.7% (16.3%) 55% Retail Agri 1,231 1,114 10% Others 1,231 1,580 (22%) Retail 30,784 32,142 (4)% Total 56,009 56,162 0% H1 FY21 yields in brackets apno ka bank | RBL Bank 17#18Borrowers' External Rating Profile* – Consistently Moving Up the Risk Curve - June 30, 2021 Sep 30, 2021 Sep 30, 2020 49,941 5,994 12.0% 51,313 8,925 17.4% 54,802 11,186 20.4% 15,371 30.8% A- or better A- or A- or 15,449 30.1% 16,404 29.9% better better 75.1% 77.6% 78.3% 16,122 32.3% 15,431 30.1% 15,344 28.0% 9,030 18.1% 16.9%** 8,577 14.3%** 8,992 16.7% 16.4% 15.0%* ** 3,424 2,876 6.9% 3.9%** 2,932 5.7% 2.7%* 5.2% 3.0%** External Ratings External Ratings External Ratings AA-, AA, AA+ AAA A-₁ 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#19Diversified Industry Mix - Continue Low Industry Concentration Outstanding Top 10 Industry* Industry NBFC (ex. HFC & DFI) Construction Power HFC Retail/Distribution Oil and Gas Real Estate Professional Services Engineering Pharma As of Sep 30, 2021 based on actual outstanding Particulars Guarantees FB+NFB Exposure FB-NFB Split % of Outstanding FB+NFB Exposure 3,485 100:0 4.7% 2,733 32:68 3.7% 2,733 41:59 3.7% 2,304 100:0 3.1% 2,234 70:30 3.0% 1,743 10:90 2.4% 1,590 86:14 2.2% 1,485 62:38 2.0% 1,433 42:58 1.9% 1,394 68:32 1.9% Letter of Credit, Acceptances, Endorsements and other Obligations apno ka bank | RBL Bank Non Fund Based Book Sep 30, 2021 10,222 5,308 Sep 30, 2020 10,975 June 30, 2021 9,743 4,065 5,070 19#20Asset Quality Snapshot Sep 30, 2021 June 30, 2021 Quarter Ended March 31, 2021 Dec 31, 2020 (Proforma) Sep 30, 2020 (Proforma) Movement of Gross NPAs Opening Balance 2,911 2,602 2,610 2,001 1,992 (+) Additions during the period 1,217 1,342 1,439 1,470 234 (-) Upgrade 180 157 322 5 3 (-) Recoveries 290 116 454 78 103 (-) Write Offs Closing Balance 527 759 671 779 119 3,131 2,911 2,602 2,610 2,001 Gross NPA (%) 5.40% 4.99% 4.34% 4.57% 3.49% Net NPA 1,200 1,137 1,241 1,408 836 Net NPA (%) 2.14% 2.01% 2.12% 2.52% 1.49% PCR incl. Technical Write Offs (%) 76.6% 76.3% 72.2% 68.8% 73.5% PCR excl. Technical Write Offs (%) 61.7% 60.9% 52.3% 46.1% 58.2% Slippage Ratio 2.15% 2.29% 2.57% 2.62% 0.41% Net Restructured % 3.35% 1.80% 1.41% 0.91% 0.09% Security Receipts as a percentage of total advances at 0.33% apno ka bank | RBL Bank 20 20#21Loan Related Provisions held as on 30th Sep 2021 Specific (incl. additional/ accelerated) provision of Rs. 1,931 crore (towards PCR) Restructured provision of Rs. 258 crore (outside PCR) Additional Covid Provision of Rs. 134 crore (outside PCR) Standard provision of Rs. 266 crore (outside PCR) Provision Coverage Ratio excl. Technical write offs of 61.7% apno ka bank | RBL Bank 21#22Asset Quality - Net NPA stable despite COVID challenges Gross NPA by business segment Business segment Sep 30, 2021 June 30, 2021 Mar 31, 2021 Dec 31, 2020 (Proforma) Wholesale 1.87% 1.84% 1.85% 1.75% Sep 30, 2020 (Proforma) 2.62% Retail 3.53% 3.15% 2.49% 2.82% 0.87% Business Loans 0.63% 0.81% 0.47% 0.90% 0.38% Credit Cards 0.99% 0.89% 1.17% 1.21% 0.07% Micro-Banking 1.45% 1.00% 0.44% 0.32% 0.16% Retail Agri 0.27% 0.24% 0.21% 0.23% 0.19% Others Total 0.20% 0.21% 0.19% 0.15% 0.08% 5.40% 4.99% 4.34% 4.57% 3.49% Net NPA by business segment Business segment Sep 30, 2021 June 30, 2021 Mar 31, 2021 Dec 31, 2020 Sep 30, 2020 (Proforma) (Proforma) Wholesale 0.81% 0.90% 0.93% 0.77% 1.03% Retail 1.34% 1.11% 1.19% 1.75% 0.46% Business Loans 0.37% 0.46% 0.28% 0.75% 0.21% Credit Cards 0.43% 0.23% 0.43% 0.50% 0.03% Micro-Banking 0.29% 0.17% 0.23% 0.22% 0.08% Retail Agri 0.17% 0.17% 0.15% 0.17% 0.12% Others 0.08% 0.09% 0.10% 0.11% 0.03% Total 2.14% 2.01% 2.12% 2.52% 1.49% apno ka bank | RBL Bank 22 22#23Capital Adequacy – Continue To Remain Well Capitalized - Particulars Tier 1 Capital Funds* Sep 30, 2021 Sep 30, 2020 June 30, 2021 11,895 10,554 11,850 Tier 2 Capital Funds 610 962 780 Total Capital Funds* 12,504 11,516 12,630 Total RWA Tier 1 CRAR* Total CRAR* RWA/Total Assets 76,564 69,799 73,635 15.5% 15.1% 16.1% 16.3% 16.5% 17.2% 73.3% 74.8% 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 73.4% 23 23#24CASA Grew 7% Sequentially; Total Deposits Grew 1% Sequentially 33% YoY growth in CASA, 7% QoQ; Total deposits grew by 17% YoY, 1% QoQ CASA: 31.1% CASA: 20,064 64,506 CASA: 33.7% CASA : 25,071 74,471 12.7% 11.4% 20.9% 19.7% 68.9% CASA: 35.4% CASA: 26,734 75,588 12.7% 22.6% 66.3% 64.6% Sep 30, 2020 June 30, 2021 Sep 30, 2021 ■Term Deposits ■Savings Account Current Account apno ka bank | RBL Bank 24 24#25Deposits and Liquidity – Improving Granularity Driving Lower Costs Surplus Liquidity Position Declining Cost of Funds and Cost of Deposits 155% 7,145 11,188 171% 164% 10.841 12,376 11,984 14,993 16,553 164% 154% 155% 134% 6.54% 6.27% 6.02% 5.76% 5.54% 5.27% 5.10% 6.40% 6.27% 5.98% 5.71% 5.45% 5.20% 5.01% 100% 80% 80% 90% 90% 100% 100% March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 2020 Cost of Funds March 31, 2021 June 30, Sep 30, 2021 March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 2020 March June 30, Sep 30, 31, 2021 2021 2021 2021 Cost of Deposits LCR Requirement -LCR maintained Surplus Liquidity (Rs. crore) Improving CASA Ratios Increasing Share of Retail Deposits 19,004 20,030 22,189 24,413 29.6% 30.1% 31.1% 31.8% 31.1% 33.7% 35.4% 27,236 29,505 31,421 33.7% 26.4% 29.3% 28.7% 29.5% 29.4% 31.2% 32.9% 32.4% 34.4% 36.3% 37.2% 39.6% 41.6% 2020 March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 CASA Ratio March June 30, Sep 30, 31, 2021 2021 2021 Average CASA Ratio March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 2020 -Retail to Total Deposits March June 30, Sep 30, 31, 2021 2021 2021 apno ka bank | RBL Bank Retail Deposits as per LCR (Rs. crore) 25#26Borrowing Higher QoQ driven by Money Market Borrowings 13,256 Borrowing Breakup 10,046 12,939 6% 7% 40% 6% 1% 19% 30% 36% 55% 57% 44% Sep 30, 2020 June 30, 2021 Sep 30, 2021 ■Refinance ■FCY ■CBLO/TREPS LAF ■Tier II apno ka bank | RBL Bank 26#27Investment Book Lower QoQ 21,277 Investment Breakup 25,314 1% 10% 2% 3% 7% 9% 21,773 3% 12% 3% 87% 82% 83% Sep 30, 2020 ■G-Sec ■Debentures & Bonds June 30, 2021 ■Money Market /Equities/MF Sep 30, 2021 Others Yield Yield Q2 FY22 Q1 FY22 Q2 FY21 H1 FY22 H1 FY21 Total Investments 5.3% 5.4% 6.6% 5.4% 6.8% SLR 6.0% 6.1% 6.9% 6.1% 6.9% Non SLR 4.2% 4.3% 7.9% 4.2% 8.1% apno ka bank | RBL Bank 27#28Cost of Deposits/ Cost of Funds Trending Lower QoQ FY19 Q1 20 Q2 20 Q3 20 Q4 20 Q1 21 Q2 21 Q3 21 Q4 21 Q1 22 Q2 22 Yield on Advances 11.2% 12.0% 12.1% 12.3% 12.5% 13.0% 13.0% 12.3% 11.5% 11.2% 11.6% 11.3% Cost of Funds 6.8% 7.0% 6.9% 6.8% 6.5% 6.3% 6.0% 5.8% 5.5% 5.3% 5.1% Cost of Deposits 6.8% 7.0% 6.9% 6.7% 6.4% 6.3% 6.0% 5.7% 5.5% 5.2% 5.0% 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 Chandigarh Customers (Mn.) 9.63 9.83 9.97 8.49 8.76 8.44 9.08 GIFT city 10 branch 13 12 26 14 46 New Delhi March June 30, Sep 30, Dec 31, March June 30, Sep 30, 31, 2020 2020 2020 2021 2020 31, 2021 2021 18 Channel Breakup 5 Channels Number of transaction points Sep 30, 2021 17 June 30, 2021 Sep 30, 2020 Branches 445 436 399 126 Metro (incl. GIFT branch) 244 238 208 17 Urban 63 61 60 Daman & Diu Puducherry Semi-urban 75 74 73 6 55 Rural 63 63 58 Dadra & Nagar Haveli Branch, ATM, BC Banking Outlets (BOS) 271 271 254 ATM BC Branches (incl. BOs) 1,435 1,422 1,219 10 47 BC Of which RBL Finserve 769 759 674 7 Of which for Microbanking 1,228 1,209 1,022 Goa Figures in circles refer to number of branches in given state/union territory apno ka bank | RBL Bank Of which for MSME & Housing 207 213 197 ATMs 386 380 402 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 (%) 5.4 1.4 0.4 Instrument Basel III compliant Tier II bonds 27.8 29.2 22.7 Certificate of Deposits 13.1 Individual/HUFS Foreign Corporates VCF/MF/Pension Funds/Insurance FPI ■Body Coporates NRIS Others Total Foreign holding - 43.7%. Approved limit - 74% apno ka bank | RBL Bank Ratings Rating ICRA AA-hyb (Stable) (Re-affirmed dated Feb. 22, 2021) CARE AA- (Stable) (Re-affirmed dated Oct 6, 2021) 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#33Co For Ho ල Co DODO Co CHO Micro-Banking and Retail Update poccecoo DOO COCDO HO G ceeeeee belo CADO e#34Micro-Banking Distribution Network (1) (50) 6 (42) (82) 96 (54) (120) BC Branches Opened in Q2-FY-22 : 19 (32) (2) 16 • Micro-Banking Presence State & District Presence: • • 21 States and 1 Union Territory 414 Districts Branches: Micro-Banking Branches: 1,228 • RBL Finserve Branches: 611 Banking Outlets: 271 Disbursal contained. Pick up from Sep'21 (47) 57 (47) 26 51 99 (22) (79) 6 123 (23) 121 28 137 82 (10) Figures in brackets refers to branches of RBL Finserve apno ka bank | RBL Bank RBL Finserve Other BCs Disbursement Amount (In Crs) 1141 978 1797 432 309 21 Q1-FY-21 Q2-FY-21 Q3FY-21 Q4-FY-21 Q1-FY-22 Q2-FY-22 34#35Micro-Banking - Portfolio Concentration RBL Portfolio- Top-3 and Top-5 States 39% 64% 55% 38% State Name % of Portfolio % of Portfolio % of Portfolio % of Portfolio 55% Sep'21 Mar'21 Sep'20 Mar❜20 38% Bihar 13.6% 12.8% 13.7% 14.7% Tamil Nadu 13.2% 13.0% 13.7% 13.4% Rajasthan 11.4% 10.9% 7.5% 7.3% Sep'2019 Sep'2020 ■Top-3 ■Top-5 Sep'2021 Uttar Pradesh 8.6% 7.8% 4.8% 3.4% Karnataka 8.4% 9.0% 8.7% 8.8% Maharashtra 7.8% 8.4% 10.3% 10.7% Industry Comparison- Top3 & Top5 States Concentration West Bengal 7.1% 7.2% 8.6% 8.5% 61% 56% Madhya 5.1% 5.1% 4.8% 4.9% 55% Pradesh 46% 38% 39% Odissa 5.0% 5.3% 6.0% 6.2% Haryana 4.1% 3.8% 3.7% 3.9% Gujarat 3.6% 3.2% 3.1% 3.1% Punjab 3.4% 3.6% 4.5% 4.6% Jharkhand 3.0% 3.0% 2.5% 2.1% Top 3 states Top 5 states Kerala 1.7% 1.6% 1.5% 1.5% ■RBL ■Peers Industry Assam 1.3% 1.9% 2.6% 2.8% Chhattisgarh 1.0% 1.3% 1.5% 1.7% • Geographical diversification and state / district caps ensure lower geographical concentration than Peers Uttarakhand 0.7% 0.7% 0.7% 0.8% Tripura 0.5% 0.5% 0.5% 0.5% • State concentration cap of 15% Goa 0.4% 0.4% 0.5% 0.6% Puducherry 0.1% 0.4% 0.5% 0.4% • District Cap-2% Meghalaya 0.0% 0.1% 0.1% 0.1% • 97% districts have <1% contribution . 11 districts have between 1 to 1.5% contribution Himachal 0.0% 0.0% 0.0% 0.0% Pradesh Grand Total 100.0% 100.00% 100.0% 100.00% apno ka bank | RBL Bank Source: Equifax Peers: two largest banks, two SFB's and two prominent MFI's 35#36Portfolio growth driven by new customers, ticket size growth moderate 3.04 Mn active loan accounts Portfolio Composition Gross Advances* (Rs. Crores) 6,725 5,636 5,166 Sept 30,2019 * Gross Advances Sept 30,2020 47% 53% ■ New-Book-Post COVID ■ Old-Book-Pre-COVID Sept 30,2021 Average Ticket Size (ATS) of New Loans Average Outstanding Balance RBL Peer -Industry RBL Peer Industry 44,829 41,427 38,708 38,695 30279 35,784 33,385 33,827 30666 35,544 27914 27507 22.000 31,741 86-186 5.134 26456 23356 21690 25595 29 34,879 19650 30,334 31,183 32,276 32,376 30,094 31,099 31,362 24814 24823 22450 24454 23242 28,608 18055 22886 22395 19192 18897 19599 22252 21316 21369 19518 Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Dec-20 Mar-21 Jun'21 Source: Equifax Mar-18 Sep-18 Mar-19 Sep-19 Mar-20 Sep-20 Dec-20 Mar'21 Jun-21 Peers: two largest banks, two SFB's and two prominent MFI's New-Portfolio: Portfolio Originated April-2020 onwards, Old Portfolio: Portfolio Originated till March-2020 36#37Collections Efficiency - Micro-Banking 96.90% 97.03% Mar-21 98.78% 86.83% July'21 Collection-Efficiency 94.15% 94.14% 92.17% 89.01% 89.53% 88.36% 83.48% 82.24% Jun-21 Jul-21 Aug-21 ■Collections Efficiency ■ Collection Efficiency- Non- NPA Book Collection Efficiency- Non-NPA Book 98.64% 90.17% Aug'21 ■New Portfolio ■ Old Portfolio 98.42% Collection Efficiency for the month = (Amount collected in the month) / (Amounted demanded for the month) New-Portfolio: Portfolio Originated April-2020 onwards, Old Portfolio: Portfolio Originated till March-2020 89.95% Sept'21 Sep-21 37#38Restructuring - In Line With Peers 4.19% 4.17% RBL Restructuring% as of Aug-2021 7.15% 6.93% | | Peer-Group-1 SFB Peer Group-1: two largest banks, two SFB's and two prominent MFI's Peer Group-4: NBFC-MFI, SFB : Small Finance Banks Source Bureau apno ka bank | RBL Bank 4.55% Peer-Group-4 Industry 38 38#39- Collection Efficiency – Retail Loans 99.3% 97.3% 89.2% 88.4% 99.1% 99.3% 99.5% 99.2% 93.7% 98.6% 97.1% 95.8% Current bucket (0 dpd) - Portfolio (<90dpd) Pre-covid (Feb-20) Sep-20 Dec-20 Mar-21 Jun-21 Sep-21 Collection efficiency in Retail Loans on the current bucket (Odpd) continues to be stable @99.5%. Portfolio collection efficiency also above Pre-covid levels. apno ka bank | RBL Bank 39 39#40Co For Ho ල Co J Co CHO Credit Card Update HO e COCDO G ceeeeee belo CADO#41Growth & Market Share Aug'20 RBL Industry RBL CIF 2.6 M 57.8 M 3.0 M ▲ 15% Spends 2,316 Cr 50,503 Cr Advances 3,482 Cr ▲ 50% Aug'21 Industry 63.9 M ▲ 11% 77,981 Cr ▲ 54% 1,15,612 Cr ▲ 10% 10,862 Cr 1,04,833 Cr 12,879 Cr ▲ 19% Market Share - Cards (#) Market Share - Spends 4.8% 4.8% 4.9% 4.5% 4.7% 5.1% 4.6% 4.7% 4.8% 4.5% 3.6% 2.1% 2.9% 2.0% Market Share - Advances 9.8% 10.4% 10.8% 6.0% 3.3% 12.1% 11.1% Mar 18 Mar 19 Mar 20 Aug 20 Mar'21 Jun 21 Aug'21 Mar'18 Mar'19 Mar 20 Aug 20 Mar 21 Jun 21 Aug'21 Mar 18 Mar 19 Mar 20 Aug 20 Mar 21 Jun'21 Aug'21 apno ka bank | RBL Bank Source RBI Data 41#42Credit Cards - Portfolio Trends Cards in Force (Million) Acquisition (Million) 3.08 3.07 3.10 2.96 3.01 2.82 2.71 0.36 0.38 0.20 ill Q2'21 Q2'21 Q3'21 Q4'21 Q1'22 Jul'21 Aug 21 Sept 21 Advances Breakup* (Cr.) 10,312 11,292 12,174 12,625 12,741 12,879 12,813 19% 27% 27% 23% 29% 22% 21% 21% ---------- 0.29 0.24 0.08 0.00 0.16 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug'21 Sept'21 Total Spends (Cr.) 10,362 25% 27% 27% 9,201 8,554 8,625 21% 7,003 20% 21% 52% 51% 52% 55% 54% 53% 52% Q2'21 Q3'21 Q4'21 Q1'22 3,449 3,475 3,439 Jul'21 Aug 21 Sept 21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul 21 Aug 21 Sept'21 Transactor Term Revolver apno ka bank | RBL Bank *Gross Advances 42#43Credit Cards - Portfolio Trends Retail Spend 22,684 23,122 23,480 23,611 21,173 21,232 20,003 696 11,455 10,403 11,109 11,444 10,984 9,094 9,620 Q2'21 Q3'21 45% Q4'21 Consumer Loans ('000) 1,042 960 876 757 264 249 244 Q1'22 Jul'21 Aug'21 Sept'21 -Retail Spend/Active Card Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug 21 Sept'21 Retail Spend/Card 30 Day Retail Active 50% 49% 45% 49% 48% 51% 47% 47% 46% E-com Spend Share 54% 53% 53% 52% 52% Q2'21 Q3'21 Q4'21 Q1'22 Jul'21 Aug'21 Sept'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug 21 Sept'21 Retail spend per card increased YoY and QoQ. Active rate slightly dipped in Sep due to new issuance towards end of month. apno ka bank | RBL Bank # Retail Spend parameter are measured as of qtr end 43#44Credit Cards - Customer Segment insights Salaried Self Employed (SE) mix City Tier Mix 100% 100% 90% 17% 18% 19% 20% 21% 23% 30% 29% 29% 29% 29% 29% 80% 80% 12% 12% 12% 12% 70% 12% 12% 60% 60% 50% 40% 40% 70% 71% 71% 71% 71% 71% 71% 70% 69% 68% 67% 66% 30% 20% 20% 10% 0% 0% Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 ■Salaried Self-Employed Age Group Mix TIER 1 TIER 2 TIER 3 Carded Mix 100% 3% 3% 3% 100% 14% 13% 13% 13% 3% 13% 3% 13% 19% 19% 18% 18% 19% 19% 80% 80% 35% 35% 35% 35% 36% 36% 60% 60% 40% 83% 84% 84% 84% 84% 84% 40% 26% 27% 27% 27% 26% 26% 20% 20% 20% 20% 20% 20% 20% 19% 0% 0% Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Jun'20 ■Below 30 30-35 35-45 ■45+ Sep'20 ■Carded Dec'20 Mar'21 ■Bureau Tested Jun'21 Sep'21 ■ NTC Bias towards safer segments. Contribution of Tier 3 higher in new acquisition apno ka bank | RBL Bank 44#45Spend Recovery Spend Impact and Recovery Spends Spends by category Spend Type# Mar'21 Jun'21 Sept❜21 Spend per Card Indexed (Sept❜21 vs 100% 102% 103% 102% Mar'21) Daily 76% 80% 79% 1.08 Ecom 53% 57% 60% 1.23 POS 47% 43% 40% 0.92 Mar'21 July'21 Aug'21 Sept'21 Discretio 20% 16% 16% 0.85 nary Aug’21 Spends has been all time high Avg. per day spends highest in Sep'21 since launch of business Ecom 21% 31% 23% 0.92 POS 79% 69% 77% 0.83 Travel 4% 4% 5% 1.05 #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 increased across category Ecom 61% 52% 63% 1.10 POS 39% 48% 37% 0.98 Total 100% 100% 100% 1.03 Ecom 47% 53% 54% 1.19 POS 53% 47% 46% 0.89 45#46-3.0% 2.0% Jan'19 Feb'19 Mar'19 apno ka bank | RBL Bank Source: TransUnion / CIBIL Jan'19 Feb'19 Mar'19 Apr'19 May'19 Jun'19 Jul'19 Aug'19 Sep'19 Oct 19 Note: In the bureau, higher uptick seen in industry delinquency rates 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. Nov'19 Dec'19 Jan'20 Feb'20 Mar'20 12.0% 7.0% INDUSTRY - RBL 3MOB$30+ Comparison with Industry Apr'19 May'19 Jun'19 Jul'19 Aug'19 Sep'19 18.0% 16.0% 14.0% 12.0% INDUSTRY - RBL 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Oct 19 Nov'19 Dec'19 Apr'20 May'20 Jun'20 Jul'20 Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Jan'20 Feb'20 Mar'20 Apr 20 May'20 Jun'20 Jul'20 Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 6MOB$30+ Comparison with Industry Credit Cards - tighter control on new bookings resulting in Refer-note-below Feb'21 Mar'21 Refer note below Apr'21 May'21 46 46#47100% Pre-Covid June'20 Sep'20 Dec'20 Jan'21 Feb'21 Mar'21 Collection Efficiency for Delinquent buckets significantly above Pre-covid levels apno ka bank | RBL Bank 100% 62% 61% Pre-... June'20 Sep'20 Dec'20 85% Collection Efficiency Apr'21 118% 117% 116% 105% 73% 64% Resolution Rate Bucket-2 Jan'21 Feb'21 Mar'21 Apr'21 May'21 Jun'21 Jul'21 May'21 Jun'21 Jul'21 Aug'21 144%144% 125% Aug'21 Pre-... June'20 Sep'20 100% Pre-Covid June'20 Sep'20 Dec'20 Jan'21 Feb'21 Mar'21 Apr'21 May'21 49% 58% 57% 93% 113% 124% ill 63% 71% Dec'20 Jan'21 Jun'21 118% 131%138% Resolution Rate Bucket-0 100% 101% 100% 100% 101% 101% 101% 100% 98% 97% 94% 46% Resolution Rate Bucket-1 55% 96% 100% 95% 98% 64% 73% 101% 105%102% lll lllllll Feb'21 Mar'21 Apr'21 Resolution Rate Bucket-3 May'21 Jun'21 Jul'21 Aug'21 Jul'21 Aug'21 47#48- Tighter risk measures on new acquisition – lowering risk in the Lower value @ risk for same number delinquency vs industry* Higher proportion of low risk clients 70% 3.00 Pre-Covid 60% 2.50 2.03 50% 1.92 2.00 1.66 1.51 1.50 40% 1.50 1.37 1.50 1.32 30% 0.92 0.90 0.89 1.00 1.26 20% 0.50 10% 0.00 0% Apr'19 Jun'19 Sep'19 Jun'20 Sep'20 Dec'20 Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk -Industry RBL Sharper exposure management across risk bands leading to lower value at risk for same number delinquency. Measured as Ratio of 6 MOB 30+ ($) / 6 MOB 30+ (#) Significantly tighter risk filters - higher proportion of lower risk. apno ka bank | RBL Bank * Source: TransUnion / CIBIL 48#49Conservative exposure strategy post Covid on new acquisition Prudent Credit limit assignment 99,475 86,646 61,411 120,000 -Pre-Covid 110,000 100,000 45,518 45,042 90,000 40,013 80,000 Average Credit Limit for new customers. 70,000 Jul-Sep'20 Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk Reduction in exposure through conservative limit assignment on new cards - reducing value at risk Oct-Dec'20 Average Credit limit Off Us Jan-Mar'21 Apr-Jun'21 Jul-Sep'21 Average Credit limit On Us 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 - 49#50Co ල For Ho Co COOCCO DDO DODO Co CHO Branch and Business Banking Update | pee Se DOO COCDO HO G ceeeeee belo CADO e#51Granularity in Deposits 7 93% TDs >1 year tenure as of 30th Sep 2021 TDs<3Cr as of 30th Sep 2021 80% ₹ 80% Savings Accounts <5Cr balance as of 30th Sep 2021 YOY CASA growth 60% apno ka bank | RBL Bank 51#52Increaseing Shift to Digital Transactions - YoY Trends 41% Digital channels penetration (Value growth) Mobile Banking Internet Banking Digital channels penetration (Products sold) Term deposits, Sovereign Gold Bonds 232% LIPI 209% UNIFIED PAYMENTS INTERFACE Usage of Digital channels (Behavioural shift) UPI transaction value Usage of Digital channels (Behavioural shift) Bill pay & Recharge 103% 4 30% Debit card transactions (Volume growth) POS and Ecom (Value) Debit card transactions (Behavioural shift) Growth in International transactions 143% $ apno ka bank | RBL Bank 52#53New Launches for growth • • Signature+ b RBL BANK ENTERPRISE RBL BANK VIKRAM VERMA VIKRAM VERMA VISA Signature VISA Debit Education & Family maintenance for loved ones BANK III Deposits in your overseas account Indian Portfolio Investment abroad in equity shares Gifts & Medical treatment for your family abroad Banking Solutions for Diplomatic Missions Introducing the RBL Diplomat App specially for Diplomats ZIN RBLBANK Two new Visa Debit cards • Signature Premium Debit card Enterprise Debit Card Fee growth 61% 51% -90 days activation 88% higher ATS in Savings account Online International Money transfer #onthego Available on retail internet banking • Credit & Debit card control • Onboard through passport 6x increase in transaction volumes Customised Mobile app for Diplomatic segment Convert FCY to INR (Balances & transfers) Credit & Debit card control • Onboard through passport apno ka bank | RBL Bank 53 53#54Co Co CHO For Ho ල Co Payments Business Update GOODOOD DOO HO e COCDO G ceeeeee belo CADO#55Deeper Connect by enhancing the value proposition in the payments landscape... apno ka bank | RBL Bank Payment and 6 Collection 5 through 7 Correspondent bank relationships Interbank tieups for Nostro settlements APIs, eNACH API UPI based collections Unified Payments Interface 1 Digital Onboarding Issuance, Acquiring services Nodal API services, alerts, statements Platform Aggregation/ Merchant Acquirers 4 2 Cash AEPS, DMT, Indo Nepal, PPI, UPI withdrawal/ account transfer RDA, LRS, FX Cards 3 Remittance solutions 55 55#56Our Continual market standing in the digital space... API: Increase in API calls by over 300% 22.69 No of Merchants apno ka bank | RBL Bank 55.40 L Total Number of Customers AEPS: RBL # 8 in terms of transaction processed MFI: 25% market share disbursements through API 29.49 L PPI Customers 14.01 CR Total Transaction Volume For period Jul 21 to Sep 21 7.35L Unique Customer Service Points 56#57Deepening our digital footprint... Issuance Products INR Remittances FX Products • • • Commenced development and testing a state of art Video KYC facility for PPI customers Significant impetus in certain use cases like Loan & Salary disbursement on Prepaid driven by regulatory change by extension of limit from 1L to 2L Work in progress towards development of a Metro Prepaid Card • • Increase in AEPS Volumes by ~31% and Indo Nepal Volumes by -25%. 5.50 Lac+ Unique Customer Service Points registered with Bank for AEPS and DMT Services as on Sept'21. New Product 'Cash at BC' expected to go live in Q3. Full KYC based DMT expected to go live in Q3. • 3.3% growth in value QOQ Launched outward remittance product for a large MTO. Onboarded two major Exchange Houses for inward remittance (integration in progress) & 1 deal is in pipeline apno ka bank | RBL Bank . D • • Acquiring & Aggregation Simplified Merchant Onboarding Process Implemented centralized reporting framework to regulatory authorities Commencement of Cost reduction program Robust pipeline & • • API, UPI & Others -25% market share of disbursements & 40% AUM in the MFI market UPI integration initiated for one of the large PSP App (Amazon Pay) as third bank. UPI integration completed for CRED as one of their banking partner for credit card payment. 57#58Co For Ho ල Co Ja Co Annexures GOODOOD DOO CHO HO COCDO G ceeeeee belo CADO e#59Board 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 Non Independent Director Previously, Founder of Basix Social Enterprise Group Ms. Veena Mankar Non-Executive Non Independent Director Currently, Chairman of RBL Finserve Ltd. Previously, Founder of Swadhaar Finserve Pvt. Ltd. And Swadhaar FinAccess Ms. Ranjana Agarwal Non-Executive Independent Director Founder and managing partner of Vaish & Associates, Chartered Accountants 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. Vimal Bhandari Non-Executive Non Independent Director Executive Vice Chairman and CEO with Arka Fincap Limited (AFL Mr. 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 Mr. Chandan Sinha Non-Executive Independent Director Previously, Executive Director, RBI. Career - Central Banker for 35 years 59#60Professional 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 (38) Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company (34) Mr. R. Gurumurthy Mr. Brijesh Mehra Head Governance 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 Head 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-Branch 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) 60#61Professional 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 (35) Mr. Pankaj Sharma Chief Operations Officer Previously, Head Retail Operations, Axis Bank (20) Mr. Deepak Gaddhyan Chief Credit Officer (Wholesale) Previously, associated with ICICI Bank, Yes Bank (35) (25) Previously, associated with ICICI Bank, Indian Hotels, Amway India Mr. Prakash Gupta Chief Compliance Officer Mr. R. Rajagopalan Head Internal Audit Previously, associated with HDFC Bank, Kotak Mahindra Bank (26) (30) Previously, associated with Barclays, Credit-Suisse and Rabobank Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank 61#62Profit & Loss Statement Particulars Income Q2 FY22 Q2 FY21 Q1 FY22 H1 FY22 H1 FY21 Interest Earned 1,975 2,097 2,026 4,001 4,356 Interest Expended 1,059 1.165 1,056 2,116 2,383 Net Interest Income 915 932 970 1,885 1,973 Other Income 593 418 653 1,246 759 Total Income 1,508 1,350 1,623 3,131 2,733 Expenditure Operating Expenses 817 669 857 1,674 1,353 Employee Cost 238 215 232 469 428 Premises Cost 101 92 101 202 176 Depreciation 41 41 38 78 79 Other Operating Expenses 438 320 487 925 671 Operating Profit 691 682 766 1,457 1,379 Provisions 651 488 1,384 2,036 996 On advances 627 498 1,382 2,008 1,007 On others 25 (11) 2 27 (11) Profit Before Tax 39 194 (618) (579) 384 Tax 9 50 (159) (150) 98 Profit After Tax 31 144 (459) (429) 285 apno ka bank | RBL Bank 62#63Balance Sheet Statement Particulars Liabilities Sep 30, 2021 June 30, 2021 Sep 30, 2020 Capital 599 598 509 Reserves and Surplus 11,653 11,610 10,363 Deposits 75,588 74,471 64,506 Borrowings 12,939 10,046 13,256 Other Liabilities 3,695 3,616 4,712 Total 104,474 100,342 93,347 Assets Cash & Balances with RBI 18,538 9,575 7,958 Balances with other banks 2,295 3,377 3,672 Investments (Net) 21,773 25,314 21,277 Advances (Net) 56,009 56,527 56,162 Fixed and Other Assets 5,859 5,548 4,278 Total 104,474 100,342 93,347 apno ka bank | RBL Bank 63#64Consolidated Profit & Loss Statement Particulars Q2 FY22 Q2 FY21 Q1 FY22 H1 FY22 H1 FY21 Income Interest Earned 2,034 2,183 2,103 4,138 4,529 Interest Expended 1,059 1,164 1,056 2,115 2,382 Net Interest Income 975 1,019 1,048 2,023 2,147 Other Income 595 412 660 1,255 753 Total Income 1,570 1,431 1,708 3,278 2,900 Expenditure Operating Expenses 900 741 944 1,844 1,500 Employee Cost 310 279 309 618 548 Premises Cost 107 97 107 214 185 Depreciation 45 43 41 86 84 Other Operating Expenses 439 322 488 927 683 Operating Profit 670 690 763 1,433 1,401 Provisions 651 488 1,384 2,036 996 On advances 627 498 1,382 2,008 1,007 On others 25 (11) 2 27 (11) Profit Before Tax 18 202 (621) (603) 405 Tax 9 Profit After Tax 10 152 560 50 (159) (150) 98 (462) (453) 307 apno ka bank | RBL Bank 64#65Consolidated Balance Sheet Statement Particulars Sep 30, 2021 June 30, 2021 Sep 30, 2020 Liabilities Capital 599 598 509 Reserves and Surplus 11,633 11,611 10.367 Deposits 75,560 74,422 64,450 Borrowings 12,940 10,046 13,256 Other Liabilities 3,713 3,642 4,721 Total 104,444 100,320 93,303 Assets Goodwill on Consolidation 41 41 41 Cash & Balances with RBI 18,538 9,575 7,959 Balances with other banks 2,309 3,400 3,673 Investments (Net) 21,627 25,169 21,132 Advances (Net) 56,009 56,527 56,162 Fixed and Other Assets 5,920 5,608 4,337 Total 104,444 100,320 93,303 apno ka bank | RBL Bank 65#66Our Recent History FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 Q2 Particulars FY22 Net Worth 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 10,290 12,254 11,616 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 57,812 73,121 75,588 Advances (Net) 1,905 4,132 6,376 9,835 21,229 29,449 40,268 54,308 58,019 58,623 56,009 14,450 Investments (Net) 892 2,334 5,571 6,518 9,792 14,436 13,482 15,448 16,840 18,150 23,230 21,773 Net Profit 12 66 92 93 207 292 446 635 867 506 508 31 CRAR (%) 56.4 23.2 17.1 14.6 13.1 12.9 13.7 15.3 13.5 16.4 17.5 16.3 Gross NPA (%) 1.12 0.80 0.40 0.79 0.77 0.98 1.20 1.4 1.38 3.62 4.34 5.40 Net NPA (%) 0.36 0.20 0.11 0.31 0.27 0.59 0.64 0.78 0.69 2.05 2.12 2.14 Business per 4.4 6.7 7.9 7.7 9.1 11.8 13.1 19.3 16.0 16.9 15.6 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 8,419 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 0.12 (%) 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 0.98 (%) apno ka bank | RBL Bank 66#67Thank 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 67