#1April 18, 2019 DOGOD DODO Investor Presentation 4th Quarter/EY 19 C 5 RBL BANK apno ka bank#2Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the "Company") for use in presentations by the Company at analyst and investor meetings and does not constitute a recommendation regarding the securities of the Company. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information, or opinions contained herein. 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ALL FIGURES IN THIS DOCUMENT ARE IN INR CRORE UNLESS MENTIONED OTHERWISE; 1 CRORE = 10 MILLION apno ka bank | RBL Bank 2#3ΑΡΙ ARC ATM BC BIL Glossary and Key Notes AEPS Agri Aadhaar Enabled Payment System Agribusiness Banking Application Programming Interface Asset Reconstruction Company Automated Teller Machine Business Correspondent Business Installment IFI Institutional Financial Inclusion INR Indian Rupee ΠΙΡΟ Initial Public Offering LAP Loan Against Property MF Mn MSME Bps Basis Points NABARD Mutual Funds Million Micro, Small and Medium Enterprises National Bank for Agriculture and Rural Development BVPS Book Value Per Share NFB Non Fund Based C&IB Corporate & Institutional Banking NIM Net Interest Margin CAGR Compounded Annual Growth Rate INNPA Net Non Preforming Assets CASA Current Account and Savings Account INPA Non Performing Assets CB Commercial Banking PCR Provision Coverage Ratio CBDT Central Board for Direct Taxes PIL Personal Installment Loan CC Credit Card Q1 3 month period ended June 30 ( April 1 - June 30) CEO Chief Executive Officer Q2 3 month period ended September 30 ( July 1 - September 30) CET1 Core Equity Tier 1 Q3 3 month period ended December 31 ( October 1 - December 31) Cr Crore Q4 CRAR Capital to Risk Weighted Assets Ratio QoQ 3 month period ended March 31 (January 1 - March 31) Quarter on Quarter CSP Customer Service Point 9M CSR Corporate Social Responsibility RBI 9 month period ended December 31 ( April 1 - December 31) Reserve Bank of India DB & FI Development Banking & Financial Inclusion RoA Return on Assets DBT Direct Benefit Transfer RoE Return on Equity FICC Fixed Income, Currency and Commodity RWA Risk Weighted Assets FPI Foreign Portfolio Investor SDR FY 12 month period ended March 31 SLR GNPA G-Sec Gross Non Performing Assets Government Securities UPI US Strategic Debt Restructuring Statutory Liquidity Ratio Unified Payments Interface United States GST Goods and Services Tax VCF Venture Capital Funds HUF Hindu Undivided Family YoY Year on Year RBL RBL Finserve Ltd. Finserve apno ka bank | RBL Bank 3#4Table of Contents Topic Key Performance Highlights RBL Vision 2020 Financial Performance Page Number 5 12 16 Distribution Network 31 Shareholding Pattern and Ratings 33 Awards 35 Microbanking Update Credit Cards Update Annexures apno ka bank | RBL Bank 37 41 44#5ODO Co Key Performance Highlights DOO e COODO#6Q4 FY19 / FY19 Financial Highlights Q4 FY19 / FY19 continues to track well to RBL Vision 2020 goals Total Revenue growth in Q4 FY19 of 41% YoY (FY19 growth of 40% YoY) NII growth of 48% YoY in Q4 FY19 (FY19 growth of 44% YoY); Other Income growth of 31% YoY in Q4 FY19 (FY19 growth of 35% YoY) Net Profit growth of 39% YoY in Q4 FY19 and 37% YoY in FY19 NIM continues upward trajectory, 4.23% in Q4 FY19 vs. 3.98% in Q4 FY18 ( 4.12% in Q3 FY19) Advances growth of 35% YoY, deposit growth of 33% YoY and CASA growth of 37% YoY GNPA at 1.38% vs. 1.40% in Q4 FY18 ( Flat QoQ), NNPA at 0.69% vs. 0.78% in Q4 FY18 (0.72% in Q3 FY19) Overall net stressed advances at 0.73% for Q4 FY19 vs. 0.86% in Q4 FY18 (0.81% in Q3FY19) PCR at 65.3% at Q4 FY19 vs. 57.6% in Q4 FY18 (63.2% in Q3 FY19) RoA at 1.30% and RoE at 13.41% for Q4 FY19 Total customer base of 6.51 million; addition of 0.7 million in the quarter apno ka bank | RBL Bank CO#7Q4 FY19 Highlights Net interest Income Rs. 739cr YoY Growth QoQ Growth 48% 13% Core Fee Income Rs. 388cr 43% 12% Net Total Income Rs. 1,148cr 41% 12% Operating Profit Rs. 560cr 46% 12% Net Profit apno ka bank | RBL Bank Rs. 247cr 39% 10% 7#8FY19 Highlights Net interest Income Rs. 2,539cr YoY Growth 44% Core Fee Income Rs. 1,348cr 52% Net Total Income Rs. 3,982cr 40% Operating Profit Rs. 1,940cr 46% Net Profit Rs. 867cr 37% apno ka bank | RBL Bank 8#9FY19 Highlights Contd.... Advances Rs. 54,308cr YoY Growth QoQ Growth 35% 9% Wholesale Advances Rs. 30,229cr 25% 6% Non-Wholesale Advances Rs. 24,079cr 49% 12% Deposits Rs. 58,394cr 33% 12% CASA apno ka bank | RBL Bank Rs. 14,587cr 37% 14% 6#10Key Indicators Pre-IPO Advances Deposits Net Profit RoA BVPS FY 11 1,905 2,042 12 0.5% Rs. 50 FY 16 21,229 24,349 292 1.0% Rs. 91 (84% CAGR FY 11-16) (64% CAGR FY 11-16) (88% CAGR FY 11-16) Post Listing Performance) Advances YOY NIM Net Profit RoA Q3 FY17 26,773 46% 3.4% 129 1.17% Q4 FY17 29,449 39% 3.5% 130 1.20% Q1 FY18 31,108 40% 3.5% 141 1.19% Q2 FY18 33,576 35% 3.7% 151 1.19% Q3 FY 18 36,890 38% 3.9% 165 1.22% Q4 FY18 40,268 37% 4.0% 178 1.25% Q1 FY 19 42,198 36% 4.0% 190 1.26% Q2 FY19 45,873 37% 4.1% 205 1.26% Q3 FY 19 49,893 35% 4.1% 225 1.27% Q4 FY19 54,308 35% 4.2% 247 1.30% apno ka bank | RBL Bank BVPS for Q4 FY19 is Rs. 171.93 10#11Key Indicators - Business Breakup Advances by Segment (%) 30.3% 14.0% 16.3% Deposit Breakup (%) 39.3% 14.1% 10.9% 75.0% ■Term Deposits Saving Deposits ■CIB ■CB ■Retail Assets ■DB & FI ■Current Deposits apno ka bank | RBL Bank 11#12ODO Co RBL Vision 2020 DOO e COODO#13Performance Tracking to Vision 2020 Goals Advances RBL Vision 2020 (Post IPO/Sept 2016) 30-35% CAGR Actual FY19 35% CASA Ratio 0.75 1% increase every year Other Income % ~ 1/3 rd of Net Total Income - FY 16: 18.6%; FY 17: 22.0% FY 18: 24.3%; FY19: 25.0% 36% Operational Efficiency Cost/Income ratio of 51% 52% by 2020 FY 16: 58.6%; FY 17: 53.5% FY 18: 53.0%, FY19: 51.3% Return Ratios ~ 1.50% RoA by 2020 FY 16 0.98%; FY 17: 1.08% FY 18: 1.21%, FY19: 1.27% apno ka bank | RBL Bank 13#14Key Initiatives of Vision 2020 Technology b₁ CASHPOINT RBL BANK TRANSFER | WITHDRAWALS | DEPOSITS Distribution NPCI भारतीय राष्ट्रीय भुगतान निगम AADHAAR Platforms Cross-sell Mass Banking Leveraging technology to acquire, engage and service clients API banking, Abacus (Digital savings account); Fintech Partnerships (Moneytap, Zeta); Credit card partnerships (Bajaj Finserv, BookMyShow, HyperCity) Enhancing distribution through a combination of owned branches, and BCs 324 own branches, 993 BC branches (including 226 Banking Outlets) serve over 6.5 Mn customers pan-India Creation of Transaction and Payment platforms that leverage changes in ecosystem driven by Aadhaar, UPI, India Stack, GST etc. AEPS and UPI based mobile apps allow customers to transact through low cost channels Better availability of data for underwriting in case of retail and MSME businesses Enhancing cross-sell across all businesses Strong analytics teams in place to analyze data to enhance cross sell and customer targeting Increase presence in 'Mass Banking' - internal efforts, partnerships and acquisitions Extending network to individual loans in rural areas and offering deposits, insurance, DBT and remittance services Pilot partnership underway in affordable housing apno ka bank | RBL Bank 14#15Our Fundamentals Have Resulted in Consistent Strong Performance Guiding Principles Key Pillars b RBLBANK apno ka bank | RBL Bank 1. Focus on Effective Risk Management and Asset Quality Robust corporate governance framework and processes 2. Prudent and profitable growth Broad Based Shareholder and Strong Capital Base 3. Customer-centric and relationship approach 4. Focus on Operational Quality and Scalability Professional and experienced management team 5. Leveraging Partnerships and Technology for Creating Customer Centric / Multi-channel Solutions Eminent Board of Directors 15#16ODO Co Financial Performance @ DOO e COODO 16#17Strong Profitability Momentum Continues Parameter Net Interest Income Other Income Q4 FY19 Q4 FY18 YOY Q3 FY19 QoQ FY19 FY18 739 500 48% 655 13% 2,539 1,766 409 312 31% 374 9% 1,442 1,068 Net Total Income 1,148 812 41% 1,029 12% 3,982 2,834 Operating Profit 560 383 46% 498 12% 1,940 1,331 Net Profit 247 178 39% 225 10% 867 635 Parameter Q4 FY19 Q4 FY18 Q3 FY 19 FY19 FY18 Other Income/Total Income 35.6% 38.4% 36.3% 36.2% 37.7% Cost/Income 51.2% 52.8% 51.6% 51.3% 53.0% Net Interest Margin 4.2% 4.0% 4.1% 4.1% 3.8% Credit Cost/Advances (bps)* 29 24 30 111 96 ROA 1.30% 1.25% 1.27% 1.27% 1.21% RoE 13.4% 10.9% 12.4% 12.2% 11.0% * Not Annualized apno ka bank | RBL Bank 17#18Strong Growth in Business; Improvement in Asset Quality Parameter Advances Deposits Investments March 31,2019 March 31, 2018 YOY 54,308 40,268 35% 58,394 43,902 33% 16,840 15.447 9% Parameter March 31,2019 March 31, 2018 December 31, 2018 CASA 25.0% 24.3% 24.6% GNPA 1.38% 1.40% 1.38% NNPA 0.69% 0.78% 0.72% Net Stressed Assets 0.73% 0.86% 0.81% PCR 65.3% 57.6% 63.2% CRAR* including interim profits apno ka bank | RBL Bank 13.5% 15.3% 13.8% 18#19Well Diversified Other Income Profile; Rising Core Fee Income Other Income Core Fee Income Breakup 1,442 7% 1,348 9% 1,068 409 374 5% 17% 7% 311 13% 388 346 887 40% 9% 10% 8% 93% 270 41% 41% 29% 4% 10% 93% 83% 95% 4% 13% 33% 4% 14% 3% 6% 11% 14% 14% 23% 28% 87% 24% 23% 23% 16% 12% 14% 11% 12% Q4 FY18 Q3 FY19 Q4 FY19 FY 18 FY 19 Q4 FY18 Q3 FY19 FX Q4 FY19 FY 18 FY 19 Proc Fee ■Trading - FICC Core Fees Gen. Banking Distribution Credit Cards Trade and Others apno ka bank | RBL Bank 19#20111 Cost Increase Driven by Business Expansion; Range Bound Credit Costs Operating Expenses Net Credit Cost by Business (bps) 2,042 55% 1,503 588 531 49% 429 57% 56% 24* 30* 17 29* 24 24 96 34 69 55% 6% 10 9 6% 8% 8% 6% 6% 5 8% 8% 1000 0800 7% 37% 31% 4 4 26 19 19 17 13 10 3 29% 2 2 31% 31% 0 Q4 FY18 Q3 FY19 Q4 FY19 Q4 FY18 Q3 FY19 FY 18 FY 19 Q4 FY19 FY 18 FY 19 ■ Employee ■Premises Depreciation Others apno ka bank | RBL Bank ■C&IB ■CB Retail Assets ■DB&FI Not Annualized for the bank or at individual segment level for the quarter 20 20#21Changing Advances Mix and Improving Yields Helping NIMs Yield March 31,2019 March 31,2018 YOY Proportion FY19 C&IB 21,354 16,240 31% 8.9% CB 8,875 7,910 12% (8.6%) 56% Wholesale 30,229 24,150 25% Retail Assets 16,468 10,434 58% LAP 6,453 4,161 55% Credit Cards 5,283 2,244 135% Retail Agri 1,571 1,538 3% BIL 1,459 1,049 39% 14.3% Others 1,701 1,442 18% (13.1%) 44% DB & FI 7,611 5,684 34% Micro-banking 5,028 3,560 41% IFI 1,579 1,543 2% MSME 1,004 581 73% Non-Wholesale 24,079 16,118 49% FY18 yields in brackets Total 54,308 40,268 35% apno ka bank | RBL Bank 21#22Diversified Loan Portfolio Break up of advances - Secured/Unsecured Tenor of Advances 54,308 54,308 49,893 49,893 9% 10% 9% 8% 8% 40,268 40,268 8% 25% 8% 11% 24% 6% 21% 20% 21% 18% 66% 67% 68% 61% 68% 64% March 31, 2018 December 31, 2018 ■ Secured ■Unsecured - Retail March 31, 2019 ■Unsecured - Wholesale March 31, 2018 December 31, 2018 March 31, 2019 ■<1 year ■1-3 years ■3-5 years ■>5 years apno ka bank | RBL Bank 22#23Stable Borrowers' Rating Profile March 31, 2018 December 31, 2018 March 31, 2019 3.8% 3.8% 3.1% 3.1% 3.3% 3.3% 10.3% 9.3% 11.4% 16.2% 14.3% 18.7% 32.3% 38.2% 32.4% 31.4% 37.8% 37.5% 48.6% 50.1% 47.0% 39.8% 41.5% 36.7% 5.5% Internal Borrower Ratings AAA A- & Above 2.6% Internal Facility Ratings AA- & Above BBB & Above BB & Below 5.6% Internal Borrower Ratings AAA A- & Above BB+ & Below 3.4% Internal Facility Ratings AA- & Above BBB & Above 5.9% Internal Borrower Ratings AAA A- & Above BB+ & Below 3.1% Internal Facility Ratings AA- & Above BBB- & Above Approx. 85% of our exposure is externally rated, of which 70%+ has consistently been in A- or higher category apno ka bank | RBL Bank 23#24Diversified Industry Mix Top 10 industry* Outstanding Industry FB-NFB Split % of Exposure Loan Exposure Engineering 3,895 42:58 5.3% Construction 3,546 39:61 4.9% Retail Distribution 3,204 82:18 4.4% NBFC (ex. HFC & DFI) 2,816 98:2 3.9% Power 2,725 67:33 3.8% Real Estate 2,617 91:9 3.6% Pharma 2,589 85:15 3.6% Professional Services 2,517 91:9 3.5% Metals Logistic Services 2,084 48:52 2.9% 1,410 64:36 1.9% As of March 31, 2019 based on actual outstanding Particulars Guarantees Letter of Credit, Acceptances, Endorsements and other Obligations apno ka bank | RBL Bank Non Fund Based Book March 31, 2019 11,765 March 31, 2018 9,655 December 31, 2018 10,119 5,410 2,839 5,365 24 24#25Asset Quality Continues to Remain Strong Quarter Ended March December 31,2019 31,2018 Gross NPA by business segment Business segment March 31,2018 C&IB March 31,2019 December 31,2018 March 31,2018 121.5 92.1 83.1 Movement of Gross NPAs Opening Balance 696 645 580 % of total advances 0.22% 0.18% 0.21% (+) Additions during the 206 211 115 period CB* 236.9 249.6 178.6 (-) Upgrade 8 3 56 % of total advances 0.43% 0.50% 0.44% (-) Recoveries 48 54 50 Retail Assets 339.8 286.5 142.3 (-) Write Offs 91 103 22 Closing Balance 755 696 567 % of total advances 0.62% 0.57% 0.35% Gross NPA (%) 1.38% 1.38% 1.40% Net NPA 373 358 313 Of which Agri 150.6 128.6 29.3 Net NPA (%) 0.69% 0.72% 0.78% DB&FI 56.4 67.3 162.8 Provisioning Coverage 65.30% 63.22% 57.57% Ratio (PCR) (%) % of total advances 0.10% 0.13% 0.40% Slippage Ratio 0.41% 0.46% 0.31% Total 754.6 695.5 566.7 Restructured % 0.04% 0.09% 0.08% Net Stressed Assets% 0.73% 0.81% 0.86% Total (%) 1.38% 1.38% 1.40% ⚫Security Receipts as a percentage of total advances at 0.01% * CB includes agri value chain apno ka bank | RBL Bank 25#26Capital Adequacy - Well Capitalized to Support Growth Particulars Tier 1 Capital Funds* March 31, 2019 March 31, 2018 December 31, 2018 7,210 6,544 7,060 Tier 2 Capital Funds 814 826 721 Total Capital Funds 8,024 7,370 7,781 Total RWA Tier 1 CRAR* Total CRAR* RWA/Total Assets 59,607 48,079 56,406 12.1% 13.6% 12.5% 13.5% 15.3% 13.8% 74.2% 77.7% * CRAR and Tier 1 Capital Funds for interim financial periods has been computed after adding interim profit for better comparison apno ka bank | RBL Bank 78.1% 26#27Sustained Growth in Deposits, Led by CASA 37% yoy growth in CASA, while total deposits grew by 33% CASA 24.3% CASA 10,678 CASA 24.6% CASA : 12,821 52,187 CASA 25.0% CASA 14,587 58,394 10.9% 43,902 12.1% 14.1% 12.1% 12.5% 12.2% 75.4% 75.0% 75.7% March 31, 2018 December 31, 2018 March 31, 2019 ■Term Deposits ■Savings Account Current Account apno ka bank | RBL Bank 27#28Diversified Borrowing Streams. Borrowing Breakup 9,261 10,265 7% 7% 8% 19% 6% 55% 43% 24% 31% 11,832 6% 49% 45% March 31, 2018 Refinance FCY December 31, 2018 Inter-bank ■CBLO/LAF March 31, 2019 Tier II apno ka bank | RBL Bank 28#29Steady Investment Book 15,447 Investment Breakup 14,815 Yield Total Investments SLR Non SLR 16,840 6% 1% 6% 15% 13% 8% 13% 10% 8% 76% 71% 73% March 31, 2018 December 31, 2018 ■G-Sec Debentures & Bonds ■Money Market/Equities/MF March 31, 2019 Others Yield Q4 FY19 Q4 FY18 Q3 FY19 FY19 FY18 7.5% 7.2% 7.5% 7.4% 7.4% 7.7% 7.3% 7.6% 7.5% 7.4% 9.4% 9.3% 9.4% 9.4% 9.9% apno ka bank | RBL Bank 29#30NIM Improvement Helped by Lower Cost of Funds and Stable Yields Pre-IPO FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 Yield on Advances 10.9% 12.6% 13.1% 12.9% 12.3% 11.7% Cost of Funds 5.8% 8.3% 9.6% 9.4% 8.4% 7.6% Cost of Deposits 5.8% 8.1% 8.9% 8.8% 8.3% 7.7% Post Listing Performance Q4 FY17 Q1 FY18 Q2 FY18 Q3 FY18 Q4 FY18 Q1 FY19 Q2 FY 19 Q3 FY19 Q4 FY19 Yield on Advances 10.8% 10.6% 10.6% 10.4% 10.5% 10.8% 10.9% 11.2% 11.8% Cost of Funds 6.7% 6.5% 6.4% 6.2% 6.2% 6.4% 6.4% 6.6% 6.8% Cost of Deposits 6.8% 6.7% 6.6% 6.4% 6.5% 6.6% 6.7% 6.8% 6.9% apno ka bank | RBL Bank 30#31ODO Co Distribution Network | peee de DOO e COODO#32Our Growing, Multi-Layered Distribution Network Locations Customers (Mn.) GIFT city branch 10 Chandigarh 3 27 New Delhi 4.50 4.91 5.33 5.82 6.51 March 31, 2018 June 30, 2018 September 30, 2018 December March 31, 31, 2018 2019 6 10 26 Channels 15 12 2 2 Branches March 31, 2019 Channel Breakup Number of transaction points December 31, March 31, 2018 2018 324 288 265 1 111 7 Daman Metro Urban 140 112 92 52 45 43 Puducherry & Diu Semi-urban 77 76 76 6 32 1 Rural 55 55 54 Dadra & Nagar Haveli Branch, ATM, BC Banking Outlets (BOS) 226 221 197 Branch, BC 3 28 BC Branches (incl. BOs) 993 956 807 Branch, ATM 8 Of which RBL 452 427 312 ATM Mumbai Goa Figures in circles refer to number of branches in given state/union territory apno ka bank | RBL Bank Finserve BC ATMs 341 390 388 32#33ODO Co Shareholding Pattern & Ratings poccecoG DOO e COODO#34Diversified Shareholding & Strong/Improving Rating Profile Shareholding by category (%) 18.8 1.3 0.8 7.0 Instrument Ratings Rating Basel III compliant Tier II bonds ICRA AA-hyb (Stable) CARE AA- (Stable) 27.7 Certificate of Deposits ICRA A1+ 21.5 23.0 Medium term fixed deposit programme ICRA MAA (Stable) ■Individual/HUFS ■Foreign Corporates ■ VCF/MF/Pension Funds/Insurance FPI ■Body Coporates NRIS Others Total Foreign holding - 41.8%. Approved limit - 74% apno ka bank | RBL Bank Short term fixed deposit programme ICRA A1+ 34#35ODO Co Awards 887 DOO e COODO 35#36Recent Awards 2019 A COUNTRY AWARDS ASIAMONEY BEST FOR MICROFINANCE ASIAMONEY AWARDS: INDIA Outlook MONEY AWARDS 2018 BEST PRIVATE SECTOR BANK SILVER, OUTLOOK MONEY AWARDS Business Today Money Today MAKES YOU RICHER BEST SMALL BANK BUSINESS TODAY- MONEY TODAY FINANCIAL AWARDS 2019 apno ka bank | RBL Bank 2018 2018 36#37ODO Co Microbanking Update DOO e COODO#38Microbanking Distribution Network (42) 49 (35) (25) (19) 105 (21) 83 48 (32) (69) (2) 74 78 15 29 (27) (59) 20 74 84 16 Figures in brackets refers to branches of RBL Finserve apno ka bank | RBL Bank State Name Tamilnadu Bihar Maharashtra Karnataka % of Portfolio 15% 14% 12% 10% Odisha 8% West Bengal 8% Rajasthan 6% Madhya Pradesh 5% Gujarat 4% Punjab 4% Jharkhand 3% Haryana 3% Micro Banking Presence Assam 3% Chhattisgarh 2% Uttarakhand 2% RBL Finserve Tripura 1% Other BCs Goa 1% Kerala 1% Uttar Pradesh 0.1% Grand Total 100% 38#39Micro-banking - Portfolio Growth 839 In Rs. crores Portfolio Mix March 31st, 2019 Pre-Jan 2017 0.03% Post Jan 2017 99.97% Loan Tenor 5,028 0.8% 4,220 3,560 2,161 1,483 Mar 31,2015 Mar 31,2016 Mar 31,2017 Mar 31,2018 Dec 31,2018 Mar 31,2019 58.3% • Post Jan 2017 - 90+DPD : 0.54% 2.49 Mn active loan accounts 40.9% 12 Months 18 Months ■24 Months 39#40Micro-banking - Through the door Mix Bureau Rejection Rate Borrowing Cycle with RBL Bank 22% 20% 21% 21% 23% 33% 30% 27% 28% 26% 78% 80% 79% 79% 77% Q4 FY18 Q1 FY 19 Q2 FY 19 Q3 FY 19 Q4 FY19 Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 ■First Cycle ■Repeat Cycle 78% Bureau Hit Rate 82% 82% الس 79% 78% Q4 FY18 Q1 FY 19 Q2 FY19 Q3 FY19 Q4 FY19 ^ Hit Rate % of loan application with matching records with Credit Bureau 40#41ODO Co Credit Card Update DOO e COODO#42Credit Card Base Increasing Steadily Cards in Force (In Mn) Card Additions (In Mn) 1.71 0.34 0.31 1.43 0.26 1.19 0.97 0.18 0.20 0.21 0.80 0.62 Dec 31,2017 Mar Jun 31,2018 30,2018 30,2018 31,2018 Sep Dec Mar 31,2019 Q3 FY18 Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 Advances Breakup (In Rs. crore) Customer Metrics Retail Spend Per Card* Balance per Card* Fee Income (as % of revenue) Geographical Concentration (Top 8 Cities vs. Others) Does not include corporate card spends March 2019 Rs. 9,971 Rs. 31,888 45% 69% : 31% 5,283 4,496 Key Metrics 3,613 59% 2,901 2,244 63% 1,759 64% 68% 69% 71% 41% 29% 32% 36% 37% 31% Dec Mar Jun Sep Dec Mar 31,2017 31,2018 30,2018 Term 30,2018 31,2018 Non-Term 31,2019 apno ka bank | RBL Bank 42#43Credit Cards -Sticky Customer Spends Total Spends (In Rs Crore) 1,889 2,378 3,234 Consumer Loans 20.7 20.0 19.1 19.3 19.1 18.6 4,712 1,186 4,403 4,208 1,024 Q3 FY18 Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 790 636 544 512 412 382 325 285 214 170 Q3 FY18 Q4 FY18 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY19 No. of Loans ('000) ■Loans Booked (Rs. Crore) Average Ticket Size (Rs. 000) Conversion Of Spends Into Consumer Loans Provides Stability to Portfolio apno ka bank | RBL Bank 43#44ODO Co Annexures | peee de DOO COODO e 44#45Board of Directors 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. Prakash Chandra Non-Executive Part Time Chairman Previously, Chairman of Central Board of Direct Taxes (CBDT) Mr. Sivanandhan Dhanushkodi Independent Director Currently, Part-Time Security Advisor to RBI Previously, Director General of Police, Maharashtra Mr. Jairaj Purandare Independent Director Previously, Regional Managing Partner of PWC Mr. Palepu Sudhir Rao Independent Director Currently, Associated with a Number of Corporates including Aditya Birla Money Ltd and Radhakrishna Foodland Pvt Ltd Mr. Ishan Raina Independent Director Previously, Founder of Out of Home (OOH) India, Associated with J. Walter Thompson (JWT) and Lintas Advertising Mr. Vijay Mahajan Non-Executive Director Previously, Founder of Basix Social Enterprise Group apno ka bank | RBL Bank 45#46Professional and Experienced Leadership Team Mr. Vishwavir Ahuja Managing Director and CEO Managing Director & Country Executive Officer of Bank of America for Indian Sub-continent from 2007-2009 Mr. R. Gurumurthy Mr. Rajeev Ahuja Executive Director (35) Previously, associated with Citibank India, Bank of America, India and Bankers Trust Company (31) Head Risk & 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 (32) Mr. Andrew Gracias Head Financial Markets Previously, associated with Bank of America and UBS (22) Mr. Brijesh Mehra Mr. Jaideep lyer Head Corporate, Institutional & Transaction Banking Head - Strategy Previously, Country Manager, Royal Bank of Scotland N.V. and prior to that associated with Grindlays Bank Public Limited Company. Previously, Group President and Deputy CFO - Yes Bank (31) (20) Mr. Harjeet Toor - Head Retail, Inclusion and Rural Business, Credit Cards, Retail and MSME Lending Previously, associated with Bank of America, ABN AMRO Bank and Fullerton India Credit Company (23) Mr. Vincent Valladares Head Commercial Banking Previously, Middle East Head - Commercial Banking, Citibank (20) Mr. Surinder Chawla Ms. Shanta Vallury Gandhi Head Geography, Branch and Business Banking Head HR, CSR & Internal Branding Previously, associated with Standard Chartered Bank, ABN Amro Bank and HDFC Bank (25) Previously, Vice President of Acquisitions and Partnerships Division in American Express Bank Ltd (Gurgaon) (25) Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank 46#47Professional and Experienced Leadership Team (Contd.) Mr. Ramnath Krishnan Chief Risk Officer Previously, Country Chief Risk Officer, HSBC Malaysia Berhad Mr. Mohit Kapoor Head - Legal Mr. Pankaj Sharma Chief Operations Officer (31) Previously, Head Retail Operations, Axis Bank (20) Mr. Bhavtaran Singh (Sunny) Uberai Head Client Services Previously, associated with ABN Amro Bank and Arete Financial Partners, Singapore (32) (25) Previously, associated with Hewitt Associates, Max New York Life, Citibank India Ms. Neeta Mukerji Mr. Sankarson Banerjee Chief Information Officer Previously, Chief Technology Officer, National Stock Exchange A Chief Credit Officer (23) Previously, associated with ICICI Bank, Asset Reconstruction Company (India) and GE Capital (28) Figures in brackets are years of work experience in financial services apno ka bank | RBL Bank 47#48Profit & Loss Statement Particulars Q4 FY19 Q4 FY18 Q3 FY 19 FY19 FY18 Income Interest Earned 1,834 1,223 1,639 6,301 4,508 Interest Expended 1,095 722 984 3,761 2,741 Net Interest Income 739 500 655 2,539 1,766 Other Income 409 312 374 1,442 1,068 Total Income 1,148 812 1,029 3,982 2,834 Expenditure Operating Expenses 588 429 531 2,042 1,503 Employee Cost 168 131 164 636 551 Premises Cost 40 35 40 154 126 Depreciation 38 25 30 122 87 Other Operating Expenses. 342 238 297 1,130 740 Operating Profit 560 383 498 1,940 1,331 Provisions 200 113 161 641 365 On advances 157 74 150 523 300 On others 43 39 11 117 65 Profit Before Tax 360 270 338 1,299 967 Tax 113 92 113 432 331 Profit After Tax 247 178 225 867 635 apno ka bank | RBL Bank 48#49Balance Sheet Statement Particulars Liabilities March 31, 2019 December 31, 2018 March 31, 2018 Capital 427 428 420 Reserves and Surplus 7,121 6,848 6,264 Deposits 58,394 52,187 43,902 Borrowings 11,832 10,266 9,261 Other Liabilities 2,585 2,474 2,003 Total 80,359 72,202 61,851 Assets Cash & Balances with RBI 4,840 3,405 2,589 Balances with other banks 1,763 1,582 1,695 Investments (Net) 16,840 14,815 15,448 Advances (Net) 54,308 49,893 40,268 Fixed and Other Assets 2,608 2,508 1,851 Total 80,359 72,202 61,851 apno ka bank | RBL Bank 49#50Our Recent History Particulars Net Worth FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 FY 17 FY 18 FY19 1,075 1,131 1,594 2,012 2,224 2,960 4,242 6,544 7,336 Deposits 2,042 4,739 8,341 11,599 17,099 24,349 34,588 43,902 58,394 Advances (Net) 1,905 4,132 6,376 9,835 14,450 21,229 29,449 40,268 54,308 Investments (Net) 892 2,334 5,571 6,518 9,792 14,436 13,482 15,448 16,840 Net Profit 12 66 92 93 207 292 446 635 867 CRAR (%) 56.4 23.2 17.1 14.6 13.1 12.9 13.7 15.3 13.5 Gross NPA (%) 1.12 0.80 0.40 0.79 0.77 0.98 1.20 1.4 1.38 Net NPA (%) 0.36 0.20 0.11 0.31 0.27 0.59 0.64 0.78 0.69 Business per employee 4.4 6.7 7.9 7.7 9.1 11.8 13.1 15.9 19.3 No. of employees 907 1,328 1,859 2,798 3,465 3,872 4,902 5,300 5,843 Return on Assets (%) 0.53 1.33 1.05 0.66 1.02 0.98 1.08 1.21 1.27 Return on Equity (%) 1.7 5.9 6.73 5.44 9.58 11.32 11.67 10.95 12.15 apno ka bank | RBL Bank 50#51Thank 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 51