Strategic Business Opportunities and Technological Tailwinds

Credit Card Journey so far New Cards ('000s) 160 605 FY17 AIF ('000s) 2,088 1,581 1,451 1,128 979 4433 3,789 2,980 2,664 1,666 760 244 Portfolio Size (Cr) 5,313 2,254 809 RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 16,852 13,604 12,625 10,637 FY18 FY19 FY20 FY21 FY22 FY23 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY17 FY18 FY19 FY20 FY21 FY22 FY23 Spends (Cr) 59,900 43,500 29,600 29,600 16,400 6,900 3,000 FY17 FY18 FY19 FY20 FY21 FY22 Spend Share FY20 FY21 FY22 FY23 Daily Spends 69.7% 74.7% 77.4% 78.0% Discr. Spends 18.7% 17.5% 15.8% 15.0% Hotel, Travel & Cash 11.7% 7.8% 6.8% 7.2% FY23 33

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