Strategic Business Opportunities and Technological Tailwinds

Business Loans - Channels & Distribution Sourcing Mix 5% 10% 15% 15% 24% 20% 35% 45% 50% I 1500+ branches I 85% 76% 50% 40% 30% Healthy CASA Branch Sourcing FY22 FY23 FY24 FY25 FY26 DSA Branch ■BC / Co-Lending Product Mix 25% 35% 50% 100% 100% 75% 65% 50% FY22 FY23 FY24 FY25 FY26 Prime LAP Micro LAP I I I I Zero Acquisitio n cost I Cross Sell / Upsell Tier 3 & 4 markets New Product (Micro RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 LAP) Distribution through RFL & other BC Better Risk adjusted Yield • Data Analytics on existing base • Cross Sell / Upsell Campaigns Loan Repayment from RBL CASA A/C Primary Banker to customer • Ensure customer stickiness • Increase customer wallet share . Expand in tier 3 & 4 markets Leverage and cross through RBL Finserve network • Create clusters for branch led cluster approach for working capital/NFB etc. 65

View entire presentation