Financial Performance Review Q1 FY21

NIM Improvement Helped by Higher Yields due to Changing Mix Pre-IPO FY 11 FY 12 FY 13 FY 14 FY 15 FY 16 Yield on Advances 10.9% 12.6% 13.1% 12.9% 12.3% 11.7% Cost of Funds 5.8% 8.3% 9.6% 9.4% 8.4% 7.6% Cost of Deposits 5.8% 8.1% 8.9% Post Listing Performance FY17 FY18 FY19 Q1FY20 8.8% 8.3% 7.7% Q2FY20 Q3FY20 Q4FY20 Q1FY21 Yield on Advances 11.1% 10.5% 11.2% 12.0% 12.1% 12.3% 12.5% 13.0% Cost of Funds 7.0% 6.3% 6.6% 6.8% 6.8% 6.6% 6.4% 6.1% Cost of Deposits 7.1% 6.5% 6.8% 7.0% 6.9% 6.7% 6.4% 6.3% apno ka bank | RBL Bank 28

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