Investor Presentation Q1 FY 23

apno ka bank | RBL Bank Credit Cards - tighter control on new bookings resulting in delinquencies in line with industry 12.0% 10.0% -INDUSTRY RBL 8.0% 6.0% 4.0% 2.0% 0.0% Mar'19 Jan'19 Feb'19 Apr'19 May'19 Jun'19 Jul'19 Aug'19 Sep'19 Oct'19 Nov'19 Jan'20 Dec'19 3MOB $30+ Comparison with Industry Feb'20 Mar'20 Apr'20 May'20 Jun'20 Jul'20 Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Refer note below Mar'21 Apr'21 May'21 Jun'21 Jul'21 Aug'21 Sep'21 Oct'21 Nov'21 Dec'21 Jan'22 Note: In the bureau, higher uptick seen in industry delinquency rates in Dec'20-Feb'21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. Second instance of uptick seen in industry delinquency rates in Jul'21-Aug’21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer Source: TransUnion / CIBIL 39

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