Strategic Business Opportunities and Technological Tailwinds

Home Loans - Building Scale Sourcing Mix 5% 8% 10% 15% 15% 25% 30% 35% 45% Book Growth CAGR ~ 75% 21000 Grow Product Focus RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 95% 8000 67% 60% 50% 40% 3156 1924 1296 FY21 FY22 FY23 FY24(P) FY26(P) FY21 FY22 FY23 FY24(P) FY26(P) Higher customer base DSA/Connector Branch Co-Lending Granular Loan Risk adjusted yield Improved profitability Affordable Product Mix 5% 10% 10% 0% 25% 25% 15% 25% 5% 40% 50% Business Metrics Snapshot ₹ LTV 350 branches 0.39 61% 60:40 60% Distribution ATS(In cr) LTV Sal: SE 75% 70% 45% 25% 5% FY21 FY22 FY23 DA PHL AHL FY24(P) HL CO FY26(P) Tier-II & III Distribution Footprint Housing Loan Primary focus on bank branch led distribution 66

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