Vision 2020 Key Initiatives & Business Breakup

111 Cost Increase Driven by Business Expansion; Range Bound Credit Costs Operating Expenses Net Credit Cost by Business (bps) 2,042 55% 1,503 588 531 49% 429 57% 56% 24* 30* 17 29* 24 24 96 34 69 55% 6% 10 9 6% 8% 8% 6% 6% 5 8% 8% 1000 0800 7% 37% 31% 4 4 26 19 19 17 13 10 3 29% 2 2 31% 31% 0 Q4 FY18 Q3 FY19 Q4 FY19 Q4 FY18 Q3 FY19 FY 18 FY 19 Q4 FY19 FY 18 FY 19 ■ Employee ■Premises Depreciation Others apno ka bank | RBL Bank ■C&IB ■CB Retail Assets ■DB&FI Not Annualized for the bank or at individual segment level for the quarter 20 20

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