Financial Performance Update

Operating Costs Lower; Driven by Lower Business Volumes and Cost Efficiency Operating Expenses 2,826 2,755 770 683 718 60% 54% 62% 57% 55% 6% 5% 9% 7% 5% 6% 6% 9% 7% 9% 31% 27% 26% 31% 29% Q4 FY20 Q3 FY21 Q4 FY21 apno ka bank | RBL Bank FY 20 FY 21 ■ Employee ■Premises Depreciation Others 15

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