Vision 2020 Key Initiatives & Business Breakup

Asset Quality Continues to Remain Strong Quarter Ended March December 31,2019 31,2018 Gross NPA by business segment Business segment March 31,2018 C&IB March 31,2019 December 31,2018 March 31,2018 121.5 92.1 83.1 Movement of Gross NPAs Opening Balance 696 645 580 % of total advances 0.22% 0.18% 0.21% (+) Additions during the 206 211 115 period CB* 236.9 249.6 178.6 (-) Upgrade 8 3 56 % of total advances 0.43% 0.50% 0.44% (-) Recoveries 48 54 50 Retail Assets 339.8 286.5 142.3 (-) Write Offs 91 103 22 Closing Balance 755 696 567 % of total advances 0.62% 0.57% 0.35% Gross NPA (%) 1.38% 1.38% 1.40% Net NPA 373 358 313 Of which Agri 150.6 128.6 29.3 Net NPA (%) 0.69% 0.72% 0.78% DB&FI 56.4 67.3 162.8 Provisioning Coverage 65.30% 63.22% 57.57% Ratio (PCR) (%) % of total advances 0.10% 0.13% 0.40% Slippage Ratio 0.41% 0.46% 0.31% Total 754.6 695.5 566.7 Restructured % 0.04% 0.09% 0.08% Net Stressed Assets% 0.73% 0.81% 0.86% Total (%) 1.38% 1.38% 1.40% ⚫Security Receipts as a percentage of total advances at 0.01% * CB includes agri value chain apno ka bank | RBL Bank 25

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