Strategic Business Opportunities and Technological Tailwinds

Cross Sell Opportunities - Retail Loans to Microfinance customers 0 RETAIL PENETRATION FOR MICROFINANCE HOUSEHOLDS 56% RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 • 44% of sample households already have atleast 1 retail loan No. of Retail Loans 4+ 1 23% 2 9% 3 4% 7% No. of retail tradelines Business Loan Vehicle Loan Consumer Subtotal (BL) (VL) Durable 123 ~22% ~29% ~16% ~67% ~21% ~22% ~18% ~61% 3 ~18% ~18% ~20% ~56% 4+ ~10% ~9% ~18% ~37% Grand Total ~16% ~17% ~18% ~50% *Penetration data is on sample data of ~2.5 lakh households • Of this, more than half have one of Business Loan, Vehicle Loan or Consumer Durable • BL/VL are a natural progression for a household already utilizing microfinance loan used for income generation • As the 56% households graduate, there exists a clear opportunity to harvest the economic and demographic potential 51

View entire presentation