Financial Performance Overview
Tighter risk measures on new acquisition - lowering risk in the portfolio
Lower value @ risk for same number
delinquency vs industry*
5.0
80%
4.5
70%
4.0
60%
3.5
50%
3.0
1.99
2.5
40%
2.03
1.92
2.0
1.66
1.81 1.59 1.86
1.51 1.50
30%
1.37
1.5
20%
1.50
1.0
1.32
0.75
1.26
0.92
0.5
0.90 0.89
10%
0.62
0.71
0.54
0%
0.0
Higher proportion of low risk clients
■ Pre-Covid
■ Post-Covid
Apr'19 Jun '19 Sep' 19 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Dec'21 Mar'22
-Industry
RBL
Sharper exposure management across
risk bands leading to lower value at risk
for same number delinquency.
Measured as Ratio of 6 MOB 30+ ($) / 6 MOB 30+
(#)
Risk Category 1 Risk Category 2 Risk Category 3
Increasing Risk
Significantly tighter risk filters -
higher proportion of lower risk.
apno ka bank | RBL Bank
*
Source: TransUnion / CIBIL
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