Investor Presentaiton

Credit Cards - Portfolio Trends Retail Spend 22,684 23,122 23,480 23,611 21,173 21,232 20,003 696 11,455 10,403 11,109 11,444 10,984 9,094 9,620 Q2'21 Q3'21 45% Q4'21 Consumer Loans ('000) 1,042 960 876 757 264 249 244 Q1'22 Jul'21 Aug'21 Sept'21 -Retail Spend/Active Card Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug 21 Sept'21 Retail Spend/Card 30 Day Retail Active 50% 49% 45% 49% 48% 51% 47% 47% 46% E-com Spend Share 54% 53% 53% 52% 52% Q2'21 Q3'21 Q4'21 Q1'22 Jul'21 Aug'21 Sept'21 Q2'21 Q3'21 Q4'21 Q1'22 Q2'22 Jul'21 Aug 21 Sept'21 Retail spend per card increased YoY and QoQ. Active rate slightly dipped in Sep due to new issuance towards end of month. apno ka bank | RBL Bank # Retail Spend parameter are measured as of qtr end 43

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