#1Co 40 16 C April 29, 2023 Investor Presentation Q4 FY 23 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 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 BC Business Correspondent NFB Non Fund Based Bps Basis Points NIM BVPS Book Value Per Share 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 Q4 FY23 Strong Advances Growth - Growth of 17% YoY and 5% sequentially; driven by Retail Advances Growth of 21% YoY and 8% sequentially - Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to Rs. 271 crore; PAT for FY23 was Rs. 883 crore vs Loss of Rs. 75 crore for FY22 ROA at 1.00% vs 0.78% for Q3 FY23 - NIM above 5% led by Optimal Balance Sheet utilization at 5.01% vs 4.74% for Q3 FY23 Consistently Improving Asset Quality - Net NPA of 1.10% vs 1.18% for Q3 FY23, PCR of 68.1% vs 68.0% for Q3 FY23 Credit Cost was 29bps vs 39bps for Q3 FY23; 149bps for FY23 vs 515bps for FY22 apno ka bank | RBL Bank 4#5Q4 FY23 Key Financial Highlights Advances Rs. 70,209 crore Healthy Balance Sheet 17% YoY 5% QoQ Retail Advances Rs. 37,778 crore 21% YoY 8% QoQ Deposits Rs. 84,887 crore 7% YoY 4% QoQ CASA Rs. 31,717 crore A14% YoY 6% QoQ Growing Profitability NII Rs. 1,211 crore ▲ 7% YoY Core Fee Income Rs. 658 crore Operating Profits Rs. 594. PAT Rs. 271 crore crore 5% QoQ 28% YoY 11% QoQ 10% YoY 5% QoQ 37% YoY 30% QoQ Improving Financial Ratios ROA 1.00% NIM 5.01% CASA 37.4% NNPA 1.10% 23bps YoY 22bps QoQ 3bps YoY 27bps QoQ 208bps YoY 73bpsQoQ 24bps YoY 8bps QoQ Other Key Metrics CRAR 16.9% LCR 126% BVPS Rs. 217 Branches 517 10bps YoY 6bps QoQ 12% YoY 18%QoQ Rs. 16 YoY Rs.5 QoQ 15 YoY 1 QoQ apno ka bank | RBL Bank 5#6Improving Profitability QoQ Q4 Q4 Q3 Parameter YOY QoQ FY23 FY22 FY23 FY22 FY23 Net Interest Income 1,211 1,131 7% 1,148 5% 4,451 4,027 Other Income 674 511 32% 618 9% 2,489 2,341 Net Total Income 1,885 1,643 15% 1,767 7% 6,941 6,367 Operating Profit 594 657 (10%) 567 5% 2,202 2,745 Provisions (Other than Tax) 235 401 (41%) 293 (20%) 1,022 2,860 Net Profit (Loss) 271 198 37% 209 30% 883 (75) Parameter Q4 FY23 Q4 FY22 Q3 FY23 FY23 FY22 Other Income/Total 35.8% 31.1% 35.0% 35.9% 36.8% Income Cost/Income 68.5% 60.0% 67.9% 68.3% 56.9% Net Interest Margin 5.0% 5.0% 4.7% 4.7% 4.4% Credit Cost/Advances 29 71 39 149 515 (bps)* RoA 1.00% 0.77% 0.78% 0.83% (0.07%) RoE 8.11% 6.35% 6.25% 6.69% (0.60%) apno ka bank | RBL Bank • Not Annualized 6#7Advances and Deposits | cee Co#8Well Diversified Advances Net Funded Advances 70,209 66,684 62,942 60,022 60,270 31,329 (16.8%) 30,514 32,686 (15.2%) (15.6%) 34,977 (15.7%) 37,778 (16.0%) 21% YoY • 28,693 29,756 30,256 (6.5%) (6.6%) (6.9%) 31,707 (7.8%) 32,431 (8.4%) 13% YoY 16,192 Non Funded Advances 70.1% O 29.9% ■ Guarantees ■LCs and Acceptances 84.4% of Wholesale Exposure is to A- or better rated customers • Bank amongst the largest Credit Card issuers in • March 2022 June 2022 Sep 2022 Dec 2022 March 2023 • Wholesale Retail apno ka bank | RBL Bank (Yields for the Quarter) India with over 5% market share in Cards in Force Microfinance Lending is diversified across geographies with top 5 states accounting for 67% of total microfinance advances Scale-up of Housing Loans and Rural Vehicle Loans Introduction of new products like Gold Loans, Micro LAP, Two Wheeler Finance and Used Cars 8#9Advances Mix; Strong Advances Growth Yield Proportio March 2023 March 2022 YOY Dec 2022 QoQ FY23 n C&IB 24,643 22,150 11% 24,214 2% 7.4% CB 7,788 6,543 19% 7,493 4% (6.5%) 46% Wholesale 32,431 28,693 13% 31,707 2% Business Loans 6,656 8,058 (17%) 6,882 (3%) Credit Cards 16,594 13,383 24% 15,471 7% Microfinance 5,963 4,852 23% 5,021 19% Housing Loans 4,583 2,463 86% 4,298 7% 15.6% (15.3%) 54% Retail Agri 1,357 1,189 14% 1,260 8% Rural Vehicle 1,029 314 227% 777 32% Finance Others 1,597 1,070 49% 1,269 26% Retail 37,778 31,329 21% 34,977 8% FY22 yields in brackets Total 70,209 60,022 17% 66.684 5% INR Yields for Wholesale Advances was 7.9% apno ka bank | RBL Bank 9#10Wholesale Advances Wholesale Advances 32,431 31,707 29,756 30,256 28,693 7,788 7,493 19% YoY 6,645 7,137 6,543 Wholesale Exposure Rating Breakup (%) - 84.4% 59,688 12.8% 2.8% ■A or Better ■ BBB ■BB & Below Top 10 Industries FB+NFB Outstanding FB-NFB Split % of Outstanding 24,214 24,643 22,150 23,111 23,119 11% YoY NBFC (ex. HFC & DFI) Power 4,266 99:1 4.8% 3,084 63:37 3.5% Construction 3,049 25:75 3.5% Retail/ Distribution 2,679 73:27 3.0% Engineering 2,516 57:43 2.9% March 2022 June 2022 Sep 2022 Dec 2022 March 2023 Metals 1,993 59:41 2.3% HFC 1,943 100:0 2.2% Corporate Banking Commercial Banking Pharma 1,752 77:23 2.0% Oil and Gas 1,589 0:100 1.8% Auto 1,559 78:22 1.8% apno ka bank | RBL Bank 10#11Retail Advances 37,778 34,977 1,597 4.2% 32,686 1,029 2.7% 1,269 31,329 1,357 3.6% 777 30,514 905 1,260 540 4,583 12.1% 1,070 314 1,213 990 1,189 423 4,298 1,201 3,450 2,463 2,563 6,656 17.6% 6,882 7,350 8,058 7,547 5,963 15.8% 5,021 4,584 4,852 3,753 16,594 43.9% 13,383 14,036 14,644 15,471 March 2022 June 2022 Sep 2022 Dec 2022 March 2023 Credit Cards Micro-Banking ■Business Loans Housing Loans ■ Agri Vehicle Finance Other Retail apno ka bank | RBL Bank Percentage on the right is ratio to total retail advances 11#12Increasing Retail Disbursement 10,473 4,391 64% QoQ 103% YoY 296 869 8% 151 455 4% 2,674 2,685 933 1,814 17% 538 1,523 15% 140 292 120 5,150 225 106 324 455 325 312 318 380 1,051 2,474 5,813 56% 723 1,865 1,451 142 3,144 78 201 280 23 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 FY22 FY23 Micro-Banking Business Loans Housing Loans ■Agri Micro-Banking ■Business Loans Housing Loans ■ Agri Wheels apno ka bank | RBL Bank Percentage on the right is ratio to total retail disbursements Wheels 12#13CASA & Total Deposits 14% YoY growth in CASA ; Total deposits grew by 7% YoY March 22 79,007 Dec 22 81,746 64.7% 20.7% 20.9% 63.4% 14.6% -СА SA - TD 15.7% - CA ■SA ■ TD CASA TD < 2 crore to Total Deposits 56.3% 60.7% 62.0% March 23 84,887 19.9% 62.6% 17.4% -СА SA ■ TD apno ka bank | RBL Bank March 2022 Dec 2022 March 2023 13#14Deposits, Liquidity and Cost Trends Yield and Cost LCR Position 11.62% 11.31% 11.26% 12.22% 11.22% 11.46% 11.96% 12.60% 155% 134% 146% 138% 149% 156% 144% 126% 5.27% 5.10% 4.82% 5.20% 5.01% 4.76% 4.75% 4.81% 4.87% 5.19% 5.55% 4.84% 5.14% 5.47% 5.85% 5.73% 100% 100% June 2021 Sep 2021 Dec 2021 March 2022 June 2022 Sep 2022 Dec 2022 March 2023 June 2021 2021 2021 100% 100% 100% Sep Dec March June 2022 2022 100% 100% 100% Sep Dec March 2022 2022 2023 -Yield on Advances Cost of Funds Cost of Deposits CASA Ratios LCR Requirement -LCR maintained Share of Retail LCR Deposits 31,421 27,889 30,717 31,415 32,832 34,769 36,319 29,505 35.4% 36.0% 35.3% 36.0% 36.2% 36.6% 37.4% 41.6% 33.7% 39.6% 34.4% 33.7% 33.3% 31.2% 31.9% 32.0% 32.8% 32.6% 42.5% 42.8% 41.3% 39.7% 38.9% 37.9% June 2021 Sep 2021 Dec 2021 March 2022 June 2022 Sep 2022 Dec 2022 March 2023 -CASA Ratio Average CASA Ratio June 2021 Sep 2021 Dec 2021 March 2022 June 2022 Sep 2022 Dec 2022 March 2023 Retail LCR Deposits (Rs. crore) apno ka bank | RBL Bank 14#15Improving Financial Metrics Co#16Core Fee Income increasing QoQ Other Income 511 618 674 2,341 2,489 514 590 Core Fee Income Breakup 658 2,073 2,323 4% 4% 4% 21% 4% 22% 4% 22% 5% 24% 3% 22% 3% 3% 5% 28% 30% 27% 101% 95% 98% 89% 93% 25% 30% 96% 93% (1%) Q4 FY22 5% Q3 FY23 2% Q4 FY23 34% 32% 33% 30% 29% 11% 12% 7% 10% 9% 11% 10% FY 22 FY23 Q4 FY22 Q3 FY23 Q4 FY23 FY 22 FY 23 FX Distribution Processing Fees Payments Related General Banking ■Trade and Others Trading - FICC Core Fees apno ka bank | RBL Bank 16#17Operating Costs Increase Driven By Business Volume Growth 985 1,199 1,292 3,622 4,738 14% 12% 12% 4% 4% 4% 7% 6% 6% 12% 13% 15% 15% 5% 15% 5% 7% 8% 9% 11% 16% 12% 16% 6% 9% 24% 23% 23% 25% 22% 28% 28% 28% Q4 FY22 Q3 FY23 Q4 FY23 28% 28% FY22 FY23 Payments & General Banking Tech & Outsourcing Employee Premises Business Acquisition ■Depreciation Others apno ka bank | RBL Bank 17#18Asset Quality Co#19Asset Quality Snapshot Quarter Ended March 2022 June 2022 Sep 2022 Dec 2022 March 2023 Movement of Gross NPAs Opening Balance (+) Additions during the period (-) Upgrade (-) Recoveries (-) Write Offs Closing Balance 2,902 2,728 2,537 2,457 2,469 619 653 812 608 681 105 192 149 99 138 222 188 164 126 248 465 465 578 371 344 2,728 2,537 2,457 2,469 2,420 GNPA Position NNPA Position 2,728 2,537 2,457 2,469 2,420 807 697 790 790 773 97 147 64 63 163 80 75 163 176 44 173 737 517 274 223 205 86 22 73 30 16 348 345 89 76 347 65 665 80 102 112 726 27 8 27 72 86 325 328 84 104 82 89 83 426 473 469 378 377 147 165 191 192 158 1183 1172 1151 1044 1087 362 290 299 322 308 March 2022 Sep 2022 Dec 2022 March 2023 June 2022 ■Wholesale ■Business Loans Credit Cards Microfinance Retail Agri ■ Others apno ka bank | RBL Bank June 2022 Sep 2022 Dec 2022 March 2023 March 2022 ■Wholesale ■Business Loans Credit Cards Microfinance Retail Agri Others 19#20Asset Quality Trends NPA Position PCR 4.40% 4.08% 83.4% 85.3% 84.3% 84.7% 85.0% 3.80% 3.61% 3.37% 2.69% 2.35% 70.4% 72.5% 67.8% 68.0% 68.1% 1.87% 1.44% 1.21% 1.34% 1.16% 1.26% 1.18% 1.10% March 2022 June 2022 Sep 2022 Dec 2022 March 2023 -GNPA NNPA March 2022 June 2022 Sep 2022 Dec 2022 March 2023 -PCR -PCR incl. Twoff -Net Restructured apno ka bank | RBL Bank Slippages* 1.35% 1.07% 1.09% 1.02% 0.97% 0.83% 0.61% 0.50% 0.46% 0.44% Q4 FY22 Q1 FY23 Q2 FY23 Q3 FY23 Q4 FY23 Gross -Net * Not Annualized 20#21Credit Costs Lower QoQ 6 71* 65 39* Net Credit Cost by Business (bps) 29* 35 33 (4) Q4 FY22 Q3 FY23 Q4 FY23 ■Wholesale ■ Retail apno ka bank | RBL Bank • Not Annualized for the bank or at individual segment level for the quarter 21 515 149 494 (1) 150 FY 22 FY 23 21#22Healthy Capital Adequacy Co#23Capital Adequacy - Well Capitalized Particulars March 2022 Dec 2022 March 2023 Tier 1 Capital Funds* 12,301 12,915 12,984 Tier 2 Capital Funds 470 1,242 1,424 Total Capital Funds* 12,771 14,158 14,408 Total RWA 75,909 83,353 85,138 Tier 1 CRAR* Total CRAR* RWA/Total Assets 16.2% 15.5% 15.3% 16.8% 17.0% 16.9% 71.5% 76.1% • 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 73.5% 23#24Diversified Shareholding & Strong Rating Profile Shareholding by category (%) 7.8 1.9 0.1 Instrument Ratings Rating Basel III compliant Tier II bonds ICRA AA- (Stable) (Re-affirmed dated Sep 9, 2022) 22.3 35.0 Certificate of Deposits 20.2 12.7 Fixed deposit programme Individual/HUFS Foreign Corporates ■ VCF/MF/Pension Funds/Insurance FPI ■Body Coporates NRIS Others Total Foreign holding - 36.9%. 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) Short term fixed deposit programme ICRA A1+ (Re-affirmed dated Sep 9, 2022) 24#25NODODOO CODGOODOOD Growing Distribution Network Co#26Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) Chandigarh 56 GIFT 2 city New Delhi 13 branch 16 24 14 29 15 9.83 9.97 10.66 11.15 11.30 11.77 12.00 12.91 June Sep 2021 Dec 2021 March 2021 2022 June Sep 2022 Dec 2022 March 2022 2023 Channel Breakup Channels Number of transaction points March 2022 Dec 2022 March 2023 22 5 Total Touchpoints 1,920 1,684 1,683 5 138 23 Daman Branches 502 516 517 Metro (incl. GIFT branch) 290 299 301 Puducherry & Diu Urban 72 75 75 58 Semi-urban 76 74 73 Dadra & Nagar Haveli Branch, ATM, BC Rural 64 68 68 13 (56 Only Branch and ATM Banking Outlets (BOS) 289 298 298 BC Branches (incl. BOs) 1,418 1,168 1,166 Only BC Goa Of which RBL Finserve 870 821 821 Figures in circles refer to number of branches in given state/union territory apno ka bank | RBL Bank Of which for Micro-Banking 1,240 1,165 1,163 ATMs 414 413 414 26#27Our Progress In The Last Three Years NODODOO Co#28Focus on Retail Deposit Growth FY20 Growing granular Deposits FY23 8,562 84,878 ....Resulting in Improved Ratios 3,097 15,407 57,812 Approx. 70% of incremental deposits from <2cr. And retail LCR < 2 cr. Deposits Others Total Deposits Retail LCR* Total Deposits * Not included in < 2 cr Deposits .......While Maintaining Healthy Liquidity 143% 141% 130% 42.8% 38.9% 37.2% 37.9% 41.7% 37.2% 37.5% 34.5% March, 2020 March, 2021 March, 2022 March, 2023 -Retail LCR Less than Rs. 2 cr .... And Moderating Cost of Funds Reducing Borrowings 17,007 13,331 730 1,152 16,277 12,180 March 2020 March 2023 ■Borrowings ■Tier 2 Investing in Branch Network 6.83% 5.90% 5.00% 5.37% 6.77% 502 517 5.85% 5.30% 429 4.93% 386 126% March 2020 March 2021 March 2022 March 2023 FY20 FY21 -LCR Cost of Funds FY22 Cost of Deposits FY23 March March March March 2020 2021 2022 2023 apno ka bank | RBL Bank 28#29Reducing Riskiness in Wholesale Through Targeted Measures 1,908 Net Slippages and Credit Costs 1,182 FY20 337 588 Rating Profile Sep 30, 2019 March 31, 2023 69.9% 84.4% 93 122 (61) (8) 24.0% FY21 FY22 FY23 ■Net Slippages Credit Costs Implemented new Target Operating Model apno ka bank | RBL Bank 12.8% 2.8% External Ratings 6.0% External Ratings A- or Better BBB BB & Below Granularity in Exposures 29#30Credit Costs Stress in Retail Absorbed; FY23 more normalised in terms of Credit Cost Credit Cards $90+ Comparison with Industry INDUSTRY 12.0% 10.0% 8.0% 908 6.0% Net Slippages 2,711 726 1,643 4.0% 2.0% 727 1,797 2,481 1,328 0.0% 471 Mar'20 Jun'20 Sep'20 07,990 Mar'21 Jun'21 387 Microfinance PAR -RBL Bank* vs Peer/Industry Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 RBL 316 862 240 236 321 345 1,027 155 88 1,242 306 1,231 283 1,143 1,213 31 49 771 618 412 372 FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23 Other Retail Microfinance Credit Cards apno ka bank | RBL Bank 201 1.61% 1.28% 1.10% 1.61% 3.37% 2.65% 2.48% 1.94% RBL_Mar'23 Peer 1_Feb'23 30+ * Book originated from April 2021 60+ 90+ Industry Feb'23 1.27% 30#31Prudential Measures to Strengthen Balance Sheet Balancing Growth to Improve CD Ratios 100% 80% 76% Improving Provision Coverage 70.4% 68.1% 52.3% 83% 43.3% 4.3% 4.4% 3.6% 3.4% 26% 17% 2.1% 2.1% 1.3% 1.1% 7% 8% 7% -1% 1% 2% March 31, 2020 March 31, 2021 March 31, 2022 March 31, 2023 March 31, 2020 March 31, 2021 March 31, 2022 March 31, 2023 Advances growth Deposit Growth CD Ratio Maintaining Capital Buffers Through Tough Times 16.6% 15.3% 16.2% Rs. 1,566 crore equity raise in November 2020 15.3% 1.1% 0.9% 0.6% US$100mn Tier II raised in May 2022 1.7% March 31, 2020 March 31, 2021 March 31, 2022 March 31, 2023 ■CET1 Tier II apno ka bank | RBL Bank CRAR PCR ■GNPA NNPA Building New Business Verticals (% of advances) 0.1% FY21 0.5% 4.1% FY22 Tractor Housing 1.5% 6.5% FY23 31#32Investments to Strengthen Capacity Investment between FY20 to FY23 * 100 29 29 6 12 10 7 170 6 Majority of spends towards credit cards, new technology systems and refresh and network expansion Spends for new retail segments and strengthening risk and compliance Opex FY20 Cards Tech Network Expansion Retail Asset Businesses Control/Risk/Compliance Others Opex FY23 apno ka bank | RBL Bank * FY20 Opex Indexed to 100 32#33Our Goals For FY26 Co#34Our Goals For FY26 Building on existing "Core" Businesses and building scale in nascent verticals Key Financial Targets (FY24-FY26) Advances 20%+ CAGR Deposits 20% CAGR Focus on distribution led growth- Focal point of cross sell Granular Deposits 50%+ Average CASA Growth 1-2% p.a. Building a data led omnichannel customer first approach Share of New Businesses 30% Retail Mix 60-65% Responsible Banking Improving Diversity in Workforce - Being a relevant Employer for tomorrow's workforce PPOP Growth Higher than advances growth RoA/ROE Growth 10-20bps p.a./ 100-150bps p.a. Touchpoints apno ka bank | RBL Bank Customer Count Double to 26 mn 2,600 34#35New Products and Channels Driving Diversification.. Product expansion at forefront.. Capacity building across channels.. 1 Continuous investment in distribution channels Wholesale Banking LAP, Housing - affordable, prime 2 Target Market Aligned Distribution & Products MSME, Cash- flow based products Used Cards, Tractors, Two- wheelers 1 Cross-sell through contact center, BC touch-points UPI based Gold Loan, Education loans lending, equipment finance Microfinance, Mid-term loans Credit Cards, personal loans New product lines apno ka bank | RBL Bank 2 100% digital onboarding channels activated 1 Integration with AA, use of alternate data 2 - Partnerships Fintechs, marketplace, tech platforms 35#36Leveraging Existing Operating Investments.. Asset/liability cross sell/upsell through branches and BC touchpoints; dedicated branch sales team for multiple products enabled through targeted lead generation 1,683 Touchpoints 1,166 517 12.91mn 2,600 Touchpoints 26mn Smart Branch Branch Banking Credit Card MFI Wholesale Other Branch Retail asset desk Digital Platforms - Abacus, 1,800 Voice- Non-voice channels 800 FY23 Branches BC Points FY26 #Customers alue) 2499 Branch Acquiring Integrated CRM Cross-sell LEVERAGE X-SELL UPSELL Partnerships Digital CDP, One-KYC, Unified App Acquiring BC channels Subsidiar y as BC Fintech, Technology Co-lending, service Securitization providers Hub&Spok e model • Investments done in building asset platform, technology, I manpower, systems etc. to result in operating leverage Unlocking operating efficiencies in the existing infrastructure to help leapfrog asset sale targets Return to calibrated growth will unlock operating leverage I apno ka bank | RBL Bank Leverage deep rural presence through tailored product offering in underbanked areas, large volume centres Tie-ups with online aggregators, dealers, OEMS for tractors, used-cars, farm equipment offerings 36 I I I I I I#37Leveraging RBL Finserve More Effectively Pan 'Bharat' distribution network Servicing through tech solution & execution speed Deepening geographic distribution driven by data Collection Focus Approach Bank's Rural Engine Scalable Technology Stack High focus in early delinquency stages Focus on availability and resilience Dedicated manpower for aged delinquent pool Digitization opportunities leveraged; well-integrated IT framework Transformed HR philosophy Initiatives driving employee experience Organization redesign to achieve leadership effectiveness Robust Ops. and risk framework Focus on organizational governance aspects; Multipronged approach to Risk management; Build businesses that can leverage distribution reach Analytics for customer selection and/or customer propensity Effective and Efficient IT Governance, Risk, Compliance Reimagining workforce through analytics Strengthening vigilance and audit capabilities Continuous investments in process improvements, automation Rigorous review and monitoring in place The Bank's entry vehicle into the rural household to offer the complete suite apno ka bank | RBL Bank 37#38Focus on Achieving Scale Through Sustainability Targeted Share of Housing, Wheels, Gold, Small Business Loans 30% ➤ Focus on building granularity in retail deposit franchise; deposit growth in FY24-FY26 led by retail New-to-bank customer led deposit growth 8% FY23 Share of Advances FY26 Targeted Retail Deposits and CASA on a growing base Scale up of nascent businesses Innovate around ESG led products and responsible Banking 43% 50% 40% 33% FY23 FY26 -Retail Deposits Avg. CASA apno ka bank | RBL Bank Drive operating leverage through existing customer cross sell ➤ Automation to improve customer service delivery and improved productivity 38#39Vision for RBL's Digital Play 1 'Bank of choice' for Customers 2 3 Seamless journeys for Bank's products Focus on Cross Sell across the Franchise • • Key Objectives Provide secure digital environment to customers enabling them to undertake convenient, attractive, easy, satisfying / rewarding online Banking Create omnichannel experience to the customers Seamless integration of underlying systems enabling bank to increase customer wallet share • Business enhancement through partnership model • Increase customer engagement & thereby customer retention 4 Digitization of products targeted for growth • LQ 5 Hyper Personalized Experience for customers apno ka bank | RBL Bank Leverage data & Analytics to personalise customer experience. Maintain Regulatory Compliance More Customers and More from Each Customer 39#40Delivering Convenient and Personalized Customer Experience ■ Behaviour driven triggers ■ First Time Right Customer Insights Promote and manage cross sell Segmented campaign management through CRM ■ STP/Pre-approved journeys across products ■ Hyper-personalized service offering Self-servicing Kiosk ■ Unified Contact-Centre & Service Structure ■ Faster TATs for Customer satisfaction apno ka bank | RBL Bank Omnichannel Experience Customer at Operating the heart of Synergy everything we do Voice of customer ■ Customer sentiment analysis fed into service delivery ■ Intuitive Mobile App & ChatBot Analytics led cust. service engine Cross-sell/Up-sell through intelligent data mining ■ Common data platform 40#41Deepening Technology, Digital and Analytics 6 Digital Channels for Corporate Customers 1 Digital Onboarding Stack Digital KYC Platform 2 • 7 Partnerships Payments Digital Channels for 3 • Platform Retail Customers Digital Channels for Financial Inclusion apno ka bank | RBL Bank 4 • Enabling Digital Experience to Customers Central dedicated unit focusing on building Digital Journeys for existing and new products of the Bank Platform approach: Build common customer interfacing platforms to aid digital journeys for e.g., unified KYC platform, payments platform, rule-based engines for customer assessment for lending use cases Intuitive design to reflect changing customer needs and market benchmarks Synergize existing infrastructure and contextualise new product variations Facilitate Cross Sell and Up-Sell through omni-channel delivery network 41#42Creating Future Ready Human Capital Employee development Engagement initiatives. Operational efficiencies ➤ Productivity enhancement ➤ Country-wide townhalls Flexible workplace activities- initiatives across bank New L&D philosophy Core competency framework in the process of implementation leadership Cultural programmes ➤ Strategic workshops for WFH, flex-leaves R&R initiatives and well-ness Revised staff governance framework Leadership development for Hi-Po employees HR transformation across the bank initiated New HRMS in process of implementation apno ka bank | RBL Bank FY 24 initiatives 42#43Digital Initiatives Co#44Deepening our Digital Footprint One Nation. One Card. Empowering Bengaluru Metro through the launch of Rupay National Common Mobility Card Inaugurated by Prime Minister Shri Narendra Modi stalige Fometro RBLBANK TRAVEL SHOP ONE CARD mmmmm AGS UD RuPay> PREPAID DINE D T T ಸ್ವಾತಂತ್ರದ ಅಮೃತ ಮಹೋತ್ಸವ apno ka bank b RBL BANK Get your RBL Bank Metro Card at the station counters or RBL Bank branches | CIN L65191PN1943PLC007308 apno ka bank | RBL Bank metro G202 BESTONDA T&C apply • . ನಮ್ಮ Absige namma Fomet metro ONE NATION ONE CARD b RBL BANK and RuPay> AGS PREPAID Unique Prepaid Transit cum Multipurpose Card facilitating cashless and seamless commuting and retail transactions Usable for offline contactless transactions for low value payments 44#45Deepening our Digital Footprint Issuance Products INR Remittances FX Products Acquiring & Aggregation API, UPI & Others Multiple Platforms for PPI issuance BMRCL (Bangalore Metro Rail Corporation) RBL Bank NCMC Prepaid Card launched by Prime Minister Modi on 25th Mar'23 BMRCL NCMC Prepaid Card is the flagship Product for the bank which can be used across country for Transit and for open loop categories like Shopping, Dining, Fuel etc. RBL Cobranded wallet is with a large food aggregator gaining strength to strength and has issued 2.6 million wallets in last 2 years from inception 26k (Aadhaar Enabled Payment Services (AEPS) + Domestic Money Transfers (DMT)) CSPs verified using eKYC service of in the quarter Indo Nepal Remittances: ~6.41% growth in transactions value QOQ AEPS ~20% growth in transactions value QOQ. ~ Commenced digital on- boarding through Bio-Metric of Indo Nepal remitters from 1st Jan'23. Providing RDA services for two leading Exchange House and tie ups being done with multiple exchange houses Providing Outward Remittance under liberalized Remittance scheme in tie up with a leading Non-Bank Entity, multiple Tie ups in pipeline. Overall 22 % growth in value and 29% volume Q3 to Q4 in FY 22-23. ~11% market share, 8,87L POS Terminals through aggregator partnership model QOQ transaction value growth of -9%. Won aggregator partnership model with one of the largest Indian conglomerate and with one of the largest Global Payment Aggregators Achieved 750 TPS in UPI for a large gaming client Bouquet of API solutions across payment & collection services - 165 APIs live with 5 L API hits every day apno ka bank | RBL Bank 45#46Digital Servicing Channels • • Mobile Banking MyCard Net Banking (4.2) users 10.8L 92% Android users users 47 L Active 85% users 4.42L 60% 25% 15% A (4) • • Converting credit card transactions into EMIS • Omni Channel with Mobile app Segmented approach 60+ products & services 72% penetration into base • Collaboration with multiple vendors • 83% regular users • Behaviour based Risk management • Integrated portal for corporates users 24L Whatsapp conversations •10 services (primarily queries) • Express channel • 40% penetration into base > 15 M apno ka bank | RBL Bank SMS Banking queries > 1.1 M Let's chat... Chatbot users 0.72L • 21 services (primarily queries) • • Financial Inclusion Services accessible across country without Internet connectivity 98% accuracy 1.95 mins chat duration • Available on all channels queries > 2.1 M 46#47Credit Card Update Co#48Growth & Market Share RBL Mar'22 Industry RBL 4.4 M CIF 3.7 M 73.7 M 20% Mar' 23 Source RBI Data Industry 85.3 M ▲ 16% Spends 4,418 Cr 1,07,136 Cr 6.057 Cr 37% 1,37,707 Cr ▲ 29% Advances* 13,807 Cr 1,44,646 Cr 16,749 Cr 21% 1,86,856 Cr ▲29% Market Share - Cards (#) Market Share - Spends Market Share - Advances 5.0% 5.2% 5.1% 4.8% 4.7% 4.7% 3.6% 2.1% III March March March 2018 2019 2020 March March March 2021 2022 2023 2.9% 2.0% ill 4.4% 10.8% 4.1% 9.8% 9.5% 9.2% 9.0% 6.0% 3.3% March March March March March March 2018 2019 2020 2021 2022 2023 March March March March Feb March Feb 2018 2019 2020 2021 2022 2022 2023 apno ka bank | RBL Bank *Advances are of Feb month due to non availability of Mar'23 industry advances 48#49Credit Cards - Portfolio Trends Cards in Force (Million) Acquisition (Million) 0.59 0.55 0.52 4.24 4.32 4.36 4.41 0.45 0.43 4.10 3.91 3.68 0.19 0.18 0.18 March June Sep 2022 2022 2022 Dec 2022 Jan 23 Feb 23 March Q4'22 Q1'23 Q2'23 Q3'23* Q4'23 Jan'23 Feb'23 Mar'23 23 Gross Advances Breakup (Cr.) 13,603 14,281 14,908 15,734 16,221 16,749 16,852 Total Spends (Cr.) 15,821 16,562 14,129 28% 29% 31% 31% 31% 32% 31% 13,161 12,276 22% 23% 22% 22% 22% 22% 22% 50% 48% 47% 47% 47% 46% 47% 6,044 5,376 4,999 March June Sep 2022 2022 2022 Dec 2022 Jan 23 Feb 23 March 23 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Jan 23 Feb'23 Mar'23 ■Term ■Revolver ■Transactor apno ka bank | RBL Bank Q3'23* Acquisition numbers reinstated basis actuals 49#50Credit Cards - Portfolio Trends Retail Spend # Consumer Loans ('000) 929 941 28,944 841 861 25,228 24,852 25,588 27,207 26,567 26,028 753 11,836 11,136 11,645 12,656 13,618 12,362 11,702 322 335 283 Q4'22 Q1'23 Q2'23 Q3'23 Retail Spend/Card Jan'23 Feb'23 Mar'23 Retail Spend/Active Card Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Jan'23 Feb'23 Mar'23 30 Day Retail Active E-com Spend Share* 46% 47% 47% 47% 47% 45% 45% 57% 55% 57% 58% 60% 59% 60% 60% Q4'22 Q1'23 Q2'23 Q3'23 Jan'23 Feb'23 Mar'23 Q4'22 Q1'23 Q2'23 Q3'23 Q4'23 Jan'23 Feb'23 Mar'23 Retail spends Increased YoY and QoQ # Retail Spend parameter are measured as of qtr end apno ka bank | RBL Bank 50#51Credit Cards - Customer Segment insights - Cards-in-Force New Sourcing For Q4 FY23 As on 31st Mar 2023 Salaried Self Employed (SE) mix City Tier Mix 0.96 32% 0 68% 0.77 35% 55% 10% 0.85 1.12 1.02 Carded Mix 1.50 1.57 3% 14% 83% 0.94 Age Group Mix 0.76 1.14 20% 18% 62% 1.04 ■ Salaried ■ Self Employed ■TIER 1 ■ TIER 2 ■ TIER 3 ■ Carded ■ Bureau Tested ■ NTC ■ Under 30-31-45 ■ 45+ Salaried Self Employed (SE) mix City Tier Mix Carded Mix Indexed 90+ Age Group Mix apno ka bank | RBL Bank 35% 43% 48% 65% 8% 22% 3% 0 75% 15% 31% 53% ■ Salaried ■Self Employed ■ TIER 1 TIER 2 TIER 3 ■ Carded Bureau Tested - NTC ■ Under 30-31-45 = 45+ Diversified exposure, expansion outside Tier-1 cities. 51#52Credit Cards – tighter control on new bookings resulting in delinquencies in line with industry. - 18.0% 16.0% 6 MOB$30+ Comparison with Industry 12.0% $30+ Comparison with Industry 14.0% 10.0% 12.0% INDUSTRY 10.0% RBL 8.0% 8.0% 6.0% 6.0% 4.0% 4.0% 2.0% 0.0% 2.0% Refer note below Q4 Q1 FY19 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21 FY22 Q1 0.0% INDUSTRY RBL Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 10.0% 8.0% 3MOB$30+ Comparison with Industry 12.0% $90+ Comparison with Industry 10.0% -INDUSTRY INDUSTR 8.0% RBL 6.0% Y 6.0% Refer note below 4.0% 4.0% 2.0% 2.0% 0.0% 0.0% Q4 Q1 Q2 Q3 Q4 Q1 FY19 FY20 FY20 FY20 FY20 FY21 Q2 Q3 Q4 Q1 Q2 FY21 FY21 FY21 FY22 FY22 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Note: • In the bureau, higher uptick seen in industry delinquency rates in Dec'20-Feb'21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. Second instance of uptick seen in industry delinquency rates in Jul'21-Aug'21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer apno ka bank | RBL Bank 52 Source TransUnion / CIBIL#53Recent Developments bankbazaar New Co-brand Credit launched in partnership with our current Fintech Partner, BankBazaar Launched new digital acquisition channels for Short-term Personal Loan and Xpress Cash facility In association with BankBazaar SaveMax Pro RBL BANK RBL Bank BankBazaar Savemax Pro Credit Card is focused on offering a rewardful experience for a variety of expenses you make in your daily life. This card comes as a premium upgrade variant to the existing BankBazaar Savemax Credit Card with improved reward benefits on Grocery and Fuel spends along with cashback on Zomato & BookMyShow. apno ka bank | RBL Bank Credit Card DRBL BANK Now available on RBL Bank MyCard App & Chatbot Facilities of Short-term personal loan and Xpress Cash on RBL Bank Credit cards are now available on the RBL Bank Credit Card Mobile App "MyCard" as well as chatbot, with about 70% of cases being sourced via these digital channels. new This was a huge improvement in customer acquisition journey for short-term loan facilities, which not only helped the bank save massive costs but also offered the customers a quick seamless and hassle-free process of availing loan facilities on RBL Bank Credit Cards. 53#54Microfinance Update | cee Co#55Microfinance Distribution Network (40) 649 (84) (44) (43) (1) (2) 107 (16) 6 110 (82) 27 (6) 6 Active BC Partners: 3 State & District Presence: 103 (60) (26) • (118) 21 States and 2 Union Territory (2) 59 (49) 25 (52) 92 (72) 16 • 405 Districts . 60000+ villages covered (83) 116 (41) 3 Figures in brackets refers to branches of RBL Finserve apno ka bank | RBL Bank Microfinance Presence RBL Finserve (Exclusive) Other BCs (with Finserve) Branches: . Micro-Banking Branches 1,163 • : RBL Finserve Branches: 821 • Banking Outlets: 298 55#56Portfolio growth driven by new customers Net Advances 3.44 Million active loan accounts 7,132 4,852 5,021 5,963 13% 12% 31% 43% Disbursements 23 1,865 1,451 2,474 269 173 CBS Migration 87% 88% MF Regulations - BRE and BCMS development 145 2,205 69% 1,692 57% 1,306 8 15 March 2021 March 2022 Dec 2022 March 2023 Q1 FY23 Q2 FY23 ■RBL Finserve Q3 FY23 Q4 FY23 ■ Other BCs RBL Finserve ■ Other BCs 42606 Average Ticket Size Average Portfolio Outstanding 42751 40961 41325 27914 27673 42094 26589 26656 26056 26294 38480 41096 25763 41531 39685 39853 39499 24131 24287 24462 24817 25340 38801 23210 38442 37470 21369 20098 19556 36664 17894 36128 16217 31359 Q4'FY21 Q4'FY22 -RBL Source: Equifax Data as of January❜23 Q1'FY23 Q2'FY23 Q3'FY23 Jan'23 Mar'21 Mar'22 June'22 Sep'22 Dec'22 Jan'23 Peer 1 -Industry RBL -Peer 1 -Industry Peers: two largest banks, two SFB's and two prominent MFI's RBL Bank-Average Ticket Size Mar'23- INR 42,094 RBL Bank-Average Portfolio Outstanding Mar'23-INR 23,210 56 apno ka bank | RBL Bank#57Portfolio Concentration and Delinquency Trend Old Book & New Book* Portfolio % Portfolio Comparison 3.26% 96.74% 68% 56% 43% 63% 38% 56% il if it RBL Industry Source Equifax- Data as of January-2023 Peers ■ New Book ■ Old Book ■Top 3 states ■Top 5 states Microfinance PAR - RBL* vs Peer/Industry 3.37% 2.65% 1.61% 1.61% 1.28% 1.10% 2.48% 1.94% 1.27% *New Book Considered Portfolio originated on and after April-2021 apno ka bank | RBL Bank RBL_Mar'23 Peer 1_Feb'23 Industry Feb'23 30+ 60+ ■90+ 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 January 2023 57#58ESG Initiatives Co#59Sustainability Strategy and Initiatives - Sustainable as a Financial Intermediary Actively manage our exposure to climate risks better Offer Sustainable Finance products; Partnered with DFIs / MFIs to intermediate financing Support "Taskforce on Climate related Financial Disclosures (TCFD)" effective August 2022 "RETAKE"- our second career program, the Bank works to bring women back to the workforce after a career break. During FY23, 24 women resumed working at RBL under this program. Leadership program exclusively for women currently in junior and middle management. Financial literacy programs - "Saksham" (launched in Dec 2013) and “Unnati” (launched in April 2018). 3,470 beneficiaries have been trained in 162 training programs conducted in Madhya Pradesh during FY 23 Top quartile ESG ratings from (1) CRISIL, (2) Refinitiv, (3) ESG Book and (4) ESG RiskAI. 35.6% of Bank's Gross Total Exposure is covered by E&S risk assessment as of FY 23 apno ka bank | RBL Bank 25.37% overall diversity for FTE 3,63,750 1,054 tCO2 one of our Mumbai office's women trained till Mar-23 under Annual emission reduction with "Saksham", "Unnati" & Customer Education program switch to 100% renewable energy during 2022 59#60Umeed 1000 @ RBL Bank Co#61Direct implementation under Umeed 1000! Direct implementation of CSR implemented under its flagship program for empowering girl child education, Umeed 1000! Partnered with 8+ state government as well as local government bodies partnered to identify over 1000 underprivileged girls who needed assistance for reaching their schools High quality Bicycle distributed along with school kit Event attended by Goa CM, Cabinet ministers of various states, IAS officers Well recognised by governments / local bodies She is forced to drop out of - school - Because the school is too far for her. apno ka bank | RBL Bank Let's bridge the distance for her. Stay tuned RBL BANK apno ka bank 61#62Cycle & Sch it Dorn by RBL Bank Cycle & School-Donation by RBL Bank UMEE Empowering Girl Education bRALBANK Umeed 1000! - Direct Implementation! જો કો cle & Shoit Dio y RB ank b b RBLEANE 59 Y मायाराम सुरजन शासकीय कन्या उच्चतर माध्य. विद्यालय और पुर Cycle & Sch-Kit Dotion RBL Bank Emring b BLANK राष्ट्रीय पक्षी मोर C UMEED UME Emp Girl tion EED D Cycle & School Donation by RBL Bank UM ре ering ducatio bRBLANK Α b Cycle & School by ARL#63Umeed drive ! - Publications RBL Bank donates 250 bicycles to girls Bicycles were given under CSR initiative- UMEED 1000 Staff Reporter Panaji RBL Bank, on Monday, under its CSR initiative- UMEED 1000, donated 250 bicycles to the un- derprivileged girls in the state. The bank held the dona- tion drive in the presence of the Chief Minister Pramod Sawant and senior officials. The girls had assembled at Goa Cricket Association ground at Porvorim, to re- ceive the bicycles. The be- neficiaries were identified by the bank directly with the support of the Department of Social Welfare. "One of the major reas ons for children dropping out of school is distance, This initiative will provide the much-needed means of transport to increase access to education. The bicycles will help the girl-children go to school in a way that is both energy-efficient and Officials of RBL Bank with the Chief Minister Pramod BJP state unit president Sadanand Tanavade and sch recipients of bicycles. environmentally sustain able. The bank is distribut ing over 1000 bicycles and school-kits across India, including Goa, Hyderabad, Raipur, Chennai, Kolhapur, Guwahati, Kolkata and Si- liguri," disclosed officials. Commenting on the ini- tiative, RBL Bank, man aging director and CEO, R. Subramaniakumar said, "True to our mission of UMEED SUMEED অনগ্রসরদের পাশে রাজ্য প্রতিবেদন : আর্থিকভাবে পিছিয়ে পড়া মেয়েদের পাশে দাঁড়াল রাজ্য সরকার। মঙ্গলবার এক অনুষ্ঠানে একশো কিশোরীকে সাইকেল দেওয়া হল | বিধাননগরে এই অনুষ্ঠানে উপস্থিত ছিলেন নারী ও | শিশুকল্যাণ বিভাগের মন্ত্রী ডাঃ শশী পাঁজা, বিধাননগরের মেয়র কৃষ্ণা চক্রবর্তী সহ বিভাগীয় অফিসাররা। সাইকেল পেয়ে দারুণ খুশি কিশোরীরা দৈনন্দিন বিভিন্ন জায়গায় যাতায়াতের সুবিধা হবে। आरबीएल बैंक ने सिलीगुड़ी में ज़रूरतमन्द छात्राओं को 120 साइकिलें और स्कूल किट वितरित किए सिलीगुड़ी, 24 मार्च। भारत में महिला सशक्तीकरण को बढ़ावा देने के लिए आरबीएल बैंक ने अपनी सीएसआर पहल- उम्मीद 1000 के तहत सिलीगुड़ी में जरूरतमन्द छात्राओं को 120 साइकिलें दान की हैं। इस अवसर पर अजीत रंजन बर्धन, आईएएस अतिरिक्त मुख्य सचिव, उत्तर बंगाल विकास विभाग, पश्चिम बंगाल सरकार, श्री अखिलेश कुमार चतुर्वेदी, पहल शिक्षा तक पहुंच बढ़ाने के लिए परिवहन के बहुत आवश्यक साधन प्रदान करेगी। साइकिलें लड़कियों-बच्चों को स्कूल जाने में मदद करेंगी जो ऊर्जा कुशल और पर्यावरण की दृष्टि से टिकाऊ, आरबीएल बँकद्वारे कोल्हापुरातील १०१ गरजू मुलींना सायकलींचे आणि स्कूल किट चे वाटप कोल्हापूर : आरबीएल बँकेने त्यांच्या सीए- सआर उपक्रम - उमीद १००० अंतर्गत कोल्हापुरातील गरजू मुलींना १०१ सायकली उच्च शिक्षण व वाटप महाराष्ट्र राज्याचे तंत्रशिक्षण मंत्री मा श्री चंद्रकांतदादा पाटील याच्या हस्ते करण्यात आले त्यावेळी मा. मुख्य कार्यकारी अधिकारी, जिल्हा परिषद, कोल्हापूर आणि आरबीएल बँकेचे वरिष्ठ प्रतिनिधी जिल्हा नागाळा पार्क जम परिषद कोल्हापूर, येथे सा स्वीकारण्यासाठी community as th we stand fully संजयसिंह चव्हा ted to help the ised communities unique CSR outre लेल्या मुलींनी मोठा उत्साह दाखवला. grammes. The wo मुले शाळा सोडण्याचे एक प्रमुख कारण education is the ke म्हणजे अंतर. या उपक्रमामुळे शिक्षणात प्रवेश locking a brighter fवाढवण्यासाठी वाहतुकीची अत्यंत आवश्यक साधने उपलब्ध होतील. सायकली मुलींना girls. By facilitatin अशा प्रकारे शाळेत जाण्यास मदत करतील जी to education, we c ऊर्जा कार्यक्षम आणि पर्यावरण पूरक असेल. बँक कोल्हापूर, चेन्नई, हैदराबाद, down barriers that रायपूर, सिलीगुडी, गुवाहाटी, कोलकाता young girls from a आणि गोवा यासह संपूर्ण their dreams." भारतात १००० हून अधिक सायकली आणि सआर उपक्रमा अंतर्गत कार्यक्रमांद्वारे स्कूल किट्सचे वितरण करत आहे. उपेक्षित समुदायांना मदत करण्यासाठी या उपक्रमावर भाष्य करताना पूर्णपणे वचनबद्ध आहोत. जगभरात शिक्षण आरबीएल बँकेचे व्यवस्थापकीय संचालक ही मुलींच्या उज्वल भविष्याची गुरुकिल्ली आणि सीईओ आर सुब्रमण्यकुमार म्हणाले आहे. शिक्षणाची सोय करून तरुण म की, आमच्या कम्युनिटी अॅज द कॉज या ुलींना त्यांची स्वप्ने पूर्ण करण्यापासून रा- ध्येयासाठी आम्ही आमच्या विविध सीए- 'खणारे अडथळे आम्ही दूर करू शकतो. दोनों हैं। बैंक सिलीगुड़ी, हैदराबाद, रायपुर, चेन्नई, कोल्हापुर, गुवाहाटी, कोलकाता और गोवा सहित पूरे भारत में 1000 से अधिक साइकिल और स्कूल किट आरबीएल बँक व्दारे कोल्हापुरातील १०१ गरजू मुलींना सायकलींचे आणि स्कूल किटचे वाटप । ललकार वृत्त । जमलेल्या मुलींनी मोठा उत्साह दाखवला. मुले शाळा सोडण्याचे एक प्रमुख कारण म्हणजे अंतर. या उपक्रमामुळे शिक्षणात प्रवेश वाढवण्यासाठी वाहतुकीची अत्यंत आवश्यक साधने उपलब्ध होतील. सायकली मुलींना अशा मा श्री चंद्रकांतदादा पाटील प्रकारे शाळेत जाण्यास मदत याच्या हस्ते करण्यात आले करतील जी ऊर्जा कार्यक्षम कोल्हापूर, दि. १५ (वार्ताहर) त्यावेळी मा. संजयसिंह आणि पर्यावरण पूरक असेल. आरबीएल बँकेने त्यांच्या चव्हाण, मुख्य कार्यकारी बँक कोल्हापूर, चेन्नई, हैदराबाद, सीएसआर उपक्रम उमीद अधिकारी, जिल्हा परिषद, रायपूर, सिलीगुडी, गुवाहाटी, १००० अंतर्गत कोल्हापुरातील कोलकाता आणि गोवा यासह गरजू मुलींना १०१ सायकली संपूर्ण भारतात १००० हून अधिक वाटप महाराष्ट्र राज्याचे उच्च सायकली आणि स्कूल किट्सचे शिक्षण व तंत्रशिक्षण मंत्री वितरण करत आहे. - कोल्हापूर आणि आरबीएल बँकेचे वरिष्ट प्रतिनिधी जिल्हा परिषद कोल्हापूर, नागाळा पार्क येथे सायकली स्वीकारण्यासाठी आरबीएल बँकेतर्फे मुलींना सायकल कोल्हापूर, नवराष्ट्र न्यूज नेटवर्क. आरबीएल बँकेने त्यांच्या सीएसआर उपक्रम 'उमीद १०००' अंतर्गत कोल्हापुरातील गरजु मुलींना उच्च शिक्षण व तंत्रशिक्षण मंत्री चंद्रकांत पाटील याच्या हस्ते १०१ सायकली वाटप करण्यात आले. यावेळी जिल्हा परिषदेचे मुख्य कार्यकारी अधिकारी संजयसिंह चव्हाण, बँकेचे व्यवस्थापकीय b 183055 संचालक आणि सीईओ आर. सुब्रमण्यकुमार उज्ज्वल भविष्याची गुरुकिल्ली उपस्थित होते. जिल्हा परिषद कोल्हापूर, नागाळा पार्क येथे सायकली स्वीकारण्यासाठी जमलेल्या मुलींनी मोठा उत्साह दाखवला. मुले शाळा सोडण्याचे एक प्रमुख कारण म्हणजे अंतर. या उपक्रमामुळे शिक्षणात प्रवेश वाढवण्यासाठी वाहतुकीची अत्यंत आवश्यक साधने उपलब्ध होतील. सायकली मुलींना अशा प्रकारे शाळेत जाण्यास मदत करतील जी ऊर्जा कार्यक्षम आणि पर्यावरण पूरक असेल. बँक कोल्हापूर, चेन्नई, हैदराबाद, रायपूर, सिलीगुडी, गुवाहाटी कोलकाता आणि गोवा यासह संपूर्ण भारतात १००० हून अधिक सायकली आणि स्कूल- किट्सचे वितरण करत आहे. आरबीएल बँकेचे व्यवस्थापकीय संचालक आणि सीईओ सुब्रमण्यकुमार म्हणाले, आमच्या 'कम्युनिटी अँज द कॉज' या ध्येयासाठी आम्ही विविध सीएसआर उपक्रमा अंर्तगत कार्यक्रमांद्वारे उपेक्षित समुदायांना मदत करण्यासाठी पूर्णपणे वचनबद्ध आहोत. जगभरात, शिक्षण ही मुलींच्या उज्ज्वल भविष्याची गुरुकिल्ली आहे.#64Annexures Co#65Experienced Board 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 65#66Board 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 66#67Professional 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. R. Gurumurthy 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 (36) Mr. Rajeev Ahuja Executive Director Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company (35) Mr. Brijesh Mehra Head Wholesale Bank Previously, Country Manager, Royal Bank of Scotland N.V. and prior to that associated with Grindlays Bank Public Limited Company (35) Mr. Jaideep lyer Mr. Bhavtaran Singh (Sunny) Uberai Chief of Staff 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) 67#68Professional and Experienced Leadership Team (Contd.) Mr. Vijay Anandh Head of Retail Assets and Collections Previously, associated with Barclays Finance, ICICI Bank (25) Mr. Sanker Parameswaran Head - Legal Previously, associated with ICICI Bank, Indian Hotels, Amway India Mr. Prakash Gupta Chief Compliance Officer (35) Previously, associated with Barclays, Credit-Suisse and Rabobank Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank (28) 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 Mr. N Hari Prakash - Head Enterprise Risk (30) Previously, associated with RBS Plc. India, ABN Amro Bank N.V., ICICI Bank and HDFC Bank (30) 68#69Balance Sheet Particulars March 2022 Dec 2022 March 2023 Liabilities Capital 600 600 600 Reserves and Surplus 12,019 12,695 12,977 Deposits 79,007 81,746 84,887 Borrowings 11,093 10,623 13,331 Other Liabilities 3,491 3,891 4,082 Total 106,209 109,555 115,876 Assets Cash & Balances with RBI 13,111 5,010 6,238 Balances with other banks 4,437 3,054 2,282 Investments (Net) 22,274 26,777 28,875 Advances (Net) 60,022 66,684 70,209 Fixed and Other Assets 6,365 8,029 8,271 Total 106,209 109,555 115,876 apno ka bank | RBL Bank 69#70Profit & Loss Statement Particulars Income Interest Earned Q4 FY23 Q4 FY22 Q3 FY23 FY23 FY22 2,496 2,131 2,369 9,130 8,176 Interest Expended 1,285 1,000 1,220 4,678 4,149 Net Interest Income 1,211 1,131 1,148 4,451 ' 4,027 Other Income 674 511 618 2,489 2,341 Total Income 1,885 1,643 1,767 6,941 6,367 Expenditure Operating Expenses 1,292 985 1,199 4,738 3,622 Employee Cost 357 279 333 1,340 1,002 Other Operating Expenses. 934 706 866 3,398 2,620 Operating Profit 594 657 567 2,202 2,745 Provisions 235 401 293 1,022 2,860 On advances 182 392 244 900 2,804 On others 53 9 49 122 57 Profit Before Tax 359 257 274 1,181 (115) Tax 88 59 65 298 (40) Profit After Tax 271 198 209 883 (75) apno ka bank | RBL Bank 70#71Consolidated Balance Sheet Particulars March 2022 Dec 2022 March 2023 Liabilities Capital 600 600 600 Reserves and Surplus 11,931 12,617 12,926 Deposits 79,006 81,745 84,875 Borrowings 11,098 10,628 13,332 Other Liabilities 3,528 3,913 4,074 Total 106,163 109,502 115,806 Assets Goodwill on Consolidation 41 41 41 Cash & Balances with RBI 13,111 5,010 6,238 Balances with other banks 4,446 3,062 2,289 Investments (Net) 22,129 26,632 28,730 Advances (Net) 60,005 66,656 70,186 Fixed and Other Assets 6,431 8,102 8,321 Total 106,163 109,502 115,806 apno ka bank | RBL Bank 71#72Consolidated Profit & Loss Statement Particulars Q4 FY23 Q4 FY22 Q3 FY23 FY23 FY22 Income Interest Earned 2,616 2,201 2,467 9,550 8,445 Interest Expended 1,285 1,000 1,221 4,679 4,148 Net Interest Income 1,331 1,201 1,247 4,871 4,297 Other Income 684 513 624 2,507 2,352 Total Income 2,015 1,714 1,871 7,378 6,648 Expenditure Operating Expenses 1,390 1,090 1,288 5,135 3,994 Employee Cost 437 378 407 1,653 1,332 Other Operating Expenses 953 712 881 3,481 2,662 Operating Profit 625 624 583 2,243 2,654 Provisions 235 401 293 1,022 2,860 On advances 182 392 244 900 2,804 On others 53 9 49 122 57 Profit Before Tax 390 224 290 1,221 (207) Tax 92 59 65 302 (40) Profit After Tax 299 165 225 920 (166) apno ka bank | RBL Bank 72#73Historical Performance FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 Particulars 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 12,996 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 84,887 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 70,209 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 28,875 Net Profit 12 66 92 93 207 292 446 635 867 506 508 (75) 883 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 16.9 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 3.37 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 1.10 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 14.1 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 11,032 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) 0.83 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) 6.69 BVPS 49.99 52.62 63.03 71.3 75.77 91.17 113.07 155.99 171.93 202.29 204.90 200.27 216.76 apno ka bank | RBL Bank 73#74Thank you apno ka bank | RBL Bank 74