Investor Presentation Q1 FY24

Credit Cards - tighter control on new bookings resulting in delinquencies in line with industry. 18.0% 16.0% 6 MOB$30+ Comparison with Industry 12.0% $30+ Comparison with Industry 10.0% 14.0% INDUSTRY 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% M 8.0% RBL 6.0% 4.0% 2.0% 0.0% Q4 Q1 Q2 Q3 Q4 Q1 Q4 Q1 Q2 Q3 Q2 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY19 10.0% 8.0% 3MOB $30+ Comparison with Industry 12.0% 10.0% INDUSTRY 8.0% 6.0% RBL 6.0% 4.0% 4.0% 2.0% 2.0% 0.0% 0.0% Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 FY19 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21 FY22 FY22 FY22 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 $90+ Comparison with Industry Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 INDUSTRY RBL Refer note below Note: • In the bureau, higher uptick seen in industry delinquency rates in Dec'20-Feb'21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. Second instance of uptick seen in industry delinquency rates in Jul'21-Aug'21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer apno ka bank | RBL Bank 34 Source TransUnion / CIBIL Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Refer note below Jun'22 Sep'22 Dec'22 Mar'23 Mar'23 INDUSTRY RBL

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