Financial Performance Update

Tighter risk measures on new acquisition - lowering risk in the portfolio 2.50 Lower value @ risk for same number delinquency vs industry Higher proportion of low risk clients 70% 2.00 60% 1.92 1.66 50% 1.51 1.50 1.50 1.37 1.32 40% 1.26 1.00 0.50 0.00 Apr'19 Jun'19 0.92 30% 20% 10% Pre-Covid Post-Covid 0% Sep'19 Jun'20 Risk Category 1 Risk Category 2 Increasing Risk Risk Category 3 -Industry RBL 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+ (#) apno ka bank | RBL Bank Significantly tighter risk filters - higher proportion of lower risk. Further tightening in April'21 removing 20% of acquisition. 45

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