Financial Performance Update

Spend Recovery Spend Impact and Recovery Spends Spends by category 100% 101% 55% اللي Spend per Card ratio 128% Spend Type" Mar'20 Mar'21 (Mar'21 vs 114% Mar'20) Daily 78% 76% 1.14 Ecom 51% 53% 1.18 POS 49% 47% 1.10 Discretionary 17% 20% 1.35 Mar'20 Lockdown* Sep'20 Dec'20 Mar'21 Ecom 16% 21% 1.74 * Apr & May'20 POS 84% 79% 1.24 Spends which dropped to 55% levels Travel 5% 4% 0.96 in Apr & May are higher than Pre-Covid. Ecom 54% 61% 1.07 POS 46% 39% 0.82 #Spend Type Daily: Grocery/Stores, Telecom, Utility, Education, Health & Insurance, Wallet Load, Fuel & Cab Discretionary: Lifestyle & Apparel, Dining & Food Delivery, Entertainment, Durables Travel: Hotel, Travel Agency, Airlines, Railway etc apno ka bank | RBL Bank Ecom spend share has increased across categories Discretionary spends came in strong in March 21 Total 100% 100% 1.17 Ecom 45% 47% 1.21 POS 55% 53% 1.13 43

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