Investor Presentation Q1 FY 23

Credit Card Conservative exposure strategy post Covid on new acquisition - lower value at risk Prudent Credit limit assignment 1,60,000 -Pre-Covid 99,475 1,40,000 -Post-Covid 1,20,000 80,679 1,00,000 61,411 80,000 45,145 45,042 60,000 44,260 40,000 20,000 Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk Jul-Sep'20 Oct-Dec 20 Average Credit Limit for new customers Jan-Mar'21 Apr-Jun'21 Jul-Sep'21 Oct-Dec'21 Jan-Mar'22 -Average Credit limit Off Us Average Credit limit On Us Reduction in exposure through conservative limit assignment on new cards - reducing value at risk Limit assignment much lower than other cards held by the customer - build up exposure basis risk profile post six months apno ka bank | RBL Bank Source TransUnion / CIBIL Apr-Jun'22 41

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