RBL Bank Financial Performance Update

Credit Costs Stress in Retail Absorbed; FY23 more normalised in terms of Credit Cost Credit Cards $90+ Comparison with Industry INDUSTRY 12.0% 10.0% 8.0% 908 6.0% Net Slippages 2,711 726 1,643 4.0% 2.0% 727 1,797 2,481 1,328 0.0% 471 Mar'20 Jun'20 Sep'20 07,990 Mar'21 Jun'21 387 Microfinance PAR -RBL Bank* vs Peer/Industry Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 RBL 316 862 240 236 321 345 1,027 155 88 1,242 306 1,231 283 1,143 1,213 31 49 771 618 412 372 FY20 FY21 FY22 FY23 FY20 FY21 FY22 FY23 Other Retail Microfinance Credit Cards apno ka bank | RBL Bank 201 1.61% 1.28% 1.10% 1.61% 3.37% 2.65% 2.48% 1.94% RBL_Mar'23 Peer 1_Feb'23 30+ * Book originated from April 2021 60+ 90+ Industry Feb'23 1.27% 30

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