Financial Performance Update

Micro-Banking - Portfolio Concentration reducing in top 3 / 5 states RBL Portfolio-Top3 and Top5 States State Name % of Portfolio % of Portfolio 58% 41% 56% 39% Mar'21 Mar'20 54% 36% Tamil Nadu Bihar Rajasthan 12.9% 13.4% 12.8% 14.7% 10.9% 7.3% Karnataka 9.0% 8.8% Maharashtra 8.4% 10.7% Mar'19 Mar'20 ■Top-3 ■Top-5 Industry Comparison Top-3&Top-5 States Concentration Mar'21 Uttar Pradesh 7.8% 3.4% West Bengal 7.2% 8.5% Odisha 5.3% 6.2% Madhya Pradesh 5.1% 4.9% 63% 54% 55% Haryana 3.8% 3.9% 48% 36% 40% Punjab 3.6% 4.6% Gujarat 3.2% 3.1% Jharkhand 3.0% 2.1% Top 3 states Top 5 states ■RBL Peers ■Industry Assam 2.0% 2.8% Kerala 1.6% 1.5% Chhattisgarh 1.2% 1.7% • Geographical diversification and state / district caps ensure lower geographical concentration than Peers Uttarakhand 0.7% 0.8% Tripura 0.5% 0.5% • State concentration cap of 15% • District cap - 2% Puducherry 0.4% 0.4% Goa 0.4% 0.6% Meghalaya 0.1% 0.1% Himachal Pradesh Grand Total 0.03% 0.0% 100.0% 100.0% 98% districts have < 1% contribution 10 districts have between 1 to 1.5% contribution apno ka bank | RBL Bank Source: Equifax Peers: two largest banks, two SFB's and two prominent MFI's 35 55

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