RBL Bank Financial Performance Update

Credit Cards – tighter control on new bookings resulting in delinquencies in line with industry. - 18.0% 16.0% 6 MOB$30+ Comparison with Industry 12.0% $30+ Comparison with Industry 14.0% 10.0% 12.0% INDUSTRY 10.0% RBL 8.0% 8.0% 6.0% 6.0% 4.0% 4.0% 2.0% 0.0% 2.0% Refer note below Q4 Q1 FY19 Q2 Q3 Q4 Q1 Q2 Q3 Q4 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21 FY22 Q1 0.0% INDUSTRY RBL Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 10.0% 8.0% 3MOB$30+ Comparison with Industry 12.0% $90+ Comparison with Industry 10.0% -INDUSTRY INDUSTR 8.0% RBL 6.0% Y 6.0% Refer note below 4.0% 4.0% 2.0% 2.0% 0.0% 0.0% Q4 Q1 Q2 Q3 Q4 Q1 FY19 FY20 FY20 FY20 FY20 FY21 Q2 Q3 Q4 Q1 Q2 FY21 FY21 FY21 FY22 FY22 Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Sep'22 Dec'22 Note: • In the bureau, higher uptick seen in industry delinquency rates in Dec'20-Feb'21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. Second instance of uptick seen in industry delinquency rates in Jul'21-Aug'21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer apno ka bank | RBL Bank 52 Source TransUnion / CIBIL

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