Investor Presentation Q1 FY 23

Deposits, Liquidity and Cost Trends Declining Cost of Funds and Cost of Deposits 11.46% 11.22% 11.62% 11.31% 11.26% 12.22% 11.22% 5.76% 5.54% 5.27% 5.10% 4.82% 4.81% 4.87% 5.71% 5.45% 5.20% 5.01% 4.76% 4.75% 4.84% Dec 31, 2020 March June 30, 31, 2021 2021 Sep 30, 2021 Dec 31, 2021 March 31, 2022 June 30, 2022 Yield on Advances -Cost of Funds Cost of Deposits Surplus Liquidity Position 12,376 11,984 14,993 16,553 12,762 15,858 17,716 171% 164% 154% 134% 155% 146% 138% 149% 80% 90% 90% 100% 100% 100% 100% 100% Sep 30, Dec 31, March June 30, Sep 30, Dec 31, March June 30, 2020 2020 31, 2021 2021 2021 31, 2022 2021 2022 -LCR Requirement -LCR maintained Surplus Liquidity (Rs. crore) CASA Ratios Share of Retail Deposits 24,413 27,236 29,505 31,421 27,889 30,717 31,415 31.1% 31.8% 35.4% 33.7% 34.4% 36.0% 35.3% 36.0% 33.7% 29.5% 29.4% 31.2% 31.9% 33.3% 41.6% 39.6% 38.9% 39.7% 37.2% 37.9% 36.3% Dec 31, 2020 March June 30, Sep 30, Dec 31, 31, 2021 2021 2021 March 2021 31, 2022 June 30, 2022 Dec 31, 2020 March 31, 2021 -CASA Ratio Average CASA Ratio apno ka bank | RBL Bank June 30, Sep 30, Dec 31, 2021 2021 March June 30, 2021 31, 2022 2022 Retail to Total Deposits Retail Deposits as per LCR (Rs. crore) 14

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