Investor Presentation Q1 FY 23

Operating Costs Increase Driven By Business Volume Growth; Credit Costs Lower QoQ Net Credit Cost by Business (bps) Operating Expenses 857 985 1,112 58% 57% 55% 4% 5% 10% 4% 12% 12% 255* 27% 28% 28% (3) Q1 FY22 Q4 FY22 Q1 FY23 ■ Employee ■Premises ■Depreciation ■ Others apno ka bank | RBL Bank • 258 Q1 FY22 71* CO 6 65 Q4 FY22 43* 1 12 42 Q1 FY23 ■Wholesale ■Retail Not Annualized for the bank or at individual segment level for the quarter 18

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