Strategic Business Opportunities and Technological Tailwinds

Bridge To Achieving Our Financial Goals Pre-Tax Return on Assets Bridge (As % of Total Assets of the Bank) 1.1% Operating leverage improving in wholesale, cards 1.5% 1.6% RBL BANK Years In Your Service ESTARUSHED IN 1943 2.0% Retail turns 0.3% profitable setting stage for next phase of expansion.. and MFI expanding returns 1.6% 2.1% Breakeven in Two Wheeler, 2.1% 2.1% Gold and Affordable Housing -0.3% -0.1% Breakeven in RVF -0.3% -0.1% -0.4% -0.3% -0.3% Continued investment in platform, distribution franchise, technology for future FY23 FY24 FY25 FY26 Wholesale, Cards, MFI & Treasury Sales ■ Retail Assets exc. Cards & MFI Branch Banking & Corporate Centre Note: The above figures are approximations basis internal allocations, methodology & FTP and are for providing an understanding of segment profitability 11

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