Investor Presentation Q1 FY 23
Credit Card Tighter risk measures on new acquisition - lowering risk in the portfolio
Higher proportion of low risk clients
■ Pre-Covid
■ Post-Covid
Lower value @ risk for same number
delinquency vs industry*
90%
80%
5.0
70%
4.5
4.0
60%
3.5
50%
3.0
2.03
1.81
1.81
40%
1.59
2.5
1.92
1.66
2.0
1.37 1.51 1.50
30%
1.5
1.50
1.0
1.32
1.26
0.5
0.0
Apr'19
Jun'19
Sep'19
0.90 0.89
0.92
0.62
Jun'20
Sep'20
-Industry
RBL
Dec'20
Mar'21
Jun'21
Oct'21
20%
1.24
0.71
10%
0%
Risk Category 1 Risk Category
Increasing Risk
Risk Category 3
Sharper exposure management across
risk bands leading to lower value at risk
for same number delinquency.
Measured as Ratio of 6 MOB 30+ ($) / 6 MOB 30+ (#)
Significantly tighter risk filters -
higher proportion of lower risk.
apno ka bank | RBL Bank
* Source TransUnion / CIBIL
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