Financial Performance Update

Deposits and Liquidity – Improving Granularity Driving Lower Costs - Declining Cost of Deposits and Cost of Funds Surplus Liquidity Position 6.90% 6.71% 6.40% 6.27% 6.75% 6.59% 6.37% 6.15% 5.98% 5.71% 5.45% 4,911 7,851 156% 158% 7,145 11,188 10.841 12,376 171% 155% 164% 164% 11,984 154% 5.92% 5.61% 5.32% 100% 100% 100% 80% 80% 90% 90% Sep 30, Dec 31, 2019 2019 March June 30, 31, 2020 2020 Cost of Deposits Sep 30, Dec 31, 2020 2020 -Cost of Funds March 31, 2021 Sep 30, Dec 31, 2019 2019 March 31, 2020 June 30, Sep 30, Dec 31, 2020 2020 2020 March 31, 2021 LCR Requirement -LCR maintained Surplus Liquidity (Rs. crore) Improving CASA Ratios Increasing Share of Retail Deposits 20,004 19,736 19,004 20,030 22,189 24,413 27,236 29.6% 30.1% 31.1% 31.1% 31.8% 26.5% 26.8% 29.3% 24.3% 24.2% 26.4% 28.7% 29.5% 29.4% 37.2% 36.3% 34.4% 32.9% 31.8% 32.4% 31.4% Sep 30, Dec 31, 2019 2019 March 31, 2020 -CASA Ratio June 30, Sep 30, Dec 31, 2020 2020 2020 Average CASA Ratio March 31, 2021 Sep 30, Dec 31, 2019 2019 March 31, 2020 June 30, Sep 30, Dec 31, 2020 2020 -Retail to Total Deposits March 2020 31, 2021 apno ka bank | RBL Bank Retail Deposits as per LCR (Rs. crore) 25

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