Major Highlights for Q3 FY24

Major Highlights for the Q3 FY24 Improving operating performance.. Retail led loan growth Operating Profit grew 35% YoY to Rs. 765 crore Bank has provided Rs. 115 crore towards contingent provision on AIF investments Excluding this provision, Net Profits grew 53% YoY & 9% QoQ to Rs. 319 crore; RoA at 1.03% and RoE at 8.89% ● On a reported basis, Net Profits was Rs. 233 crore; RoA at 0.75% and RoE at 6.48% NIM at 5.52% Advances grew by 20% YoY to Rs. 79,949 crore Retail advances grew by 33% YoY to Rs 46,371 crore; Secured Retail products grew 53% Wholesale advances grew 6% YoY to Rs. 33,577 crore Retail Deposit Growth... • Overall deposits grew by 13% YoY to Rs. 92,746 crore; CASA ratio at 33.8% Deposits less than Rs. 2 crore grew by 23% YoY; at 44.5% of total deposits • Retail deposits as per LCR grew by 16% YoY to Rs. 41,209 crore Healthy Capital Levels... Stable Asset quality.. apno ka bank | RBL Bank Capital adequacy ratio stood at 16.42%; CET-1 at 14.58% Well capitalized for next 6-8 quarters GNPA down 49bps YoY to 3.12%, NNPA down 39bps YoY to 0.80%, PCR improved 710bps YoY to 75.1%; PCR incl. Technical Writeoff was 89.3% Credit cost at 48bps 5

View entire presentation