Financial Performance Review Q1 FY21

Changing Advances Mix and Improving Yields Helping NIMS June 30,2020 June 30,2019 YOY Yield Q1 FY 21 Proportion C&IB IFI 19,906 24,042 (17%) 1,443 1,696 (15%) CB 6,837 8,733 (22%) 8.5% (9.5%) 47% Wholesale 26,742 32,774 (18%) Retail Assets 22,562 18,025 25% LAP 7,627 6,945 10% Credit Cards 10,289 6,653 55% Retail Agri 1,136 1,157 (2%) BIL 1,613 1,504 7% Others 1,897 1,766 7% 17.0% (15.5%) 53% DB & FI 7,379 6,038 22% Micro-banking 6,117 4,969 23% MSME 1,262 1,068 18% Non-Wholesale 29,941 24,062 24% Q1 FY20 yields in brackets Total 56,683 56,837 0% apno ka bank | RBL Bank 16

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