Asset Quality and Performance Overview

NIM Improvement Helped by Lower Cost of Funds and Stable Yields 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% 8.8% 8.3% 7.7% Post Listing Performance Q3 17 Q4 17 Q1 18 Q2 18 Q3 18 Q4 18 Yield on Advances 11.3% 10.8% 10.6% 10.6% 10.4% 10.5% Cost of Funds 6.9% 6.7% 6.5% 6.4% 6.1% 6.2% Cost of Deposits 6.9% 6.8% 6.7% 6.6% 6.4% 6.5% apno ka bank | RBL Bank 29 29

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