Investor Presentaiton

Deposits and Liquidity – Improving Granularity Driving Lower Costs Surplus Liquidity Position Declining Cost of Funds and Cost of Deposits 155% 7,145 11,188 171% 164% 10.841 12,376 11,984 14,993 16,553 164% 154% 155% 134% 6.54% 6.27% 6.02% 5.76% 5.54% 5.27% 5.10% 6.40% 6.27% 5.98% 5.71% 5.45% 5.20% 5.01% 100% 80% 80% 90% 90% 100% 100% March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 2020 Cost of Funds March 31, 2021 June 30, Sep 30, 2021 March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 2020 March June 30, Sep 30, 31, 2021 2021 2021 2021 Cost of Deposits LCR Requirement -LCR maintained Surplus Liquidity (Rs. crore) Improving CASA Ratios Increasing Share of Retail Deposits 19,004 20,030 22,189 24,413 29.6% 30.1% 31.1% 31.8% 31.1% 33.7% 35.4% 27,236 29,505 31,421 33.7% 26.4% 29.3% 28.7% 29.5% 29.4% 31.2% 32.9% 32.4% 34.4% 36.3% 37.2% 39.6% 41.6% 2020 March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 CASA Ratio March June 30, Sep 30, 31, 2021 2021 2021 Average CASA Ratio March June 30, Sep 30, Dec 31, 31, 2020 2020 2020 2020 -Retail to Total Deposits March June 30, Sep 30, 31, 2021 2021 2021 apno ka bank | RBL Bank Retail Deposits as per LCR (Rs. crore) 25

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