Investor Presentaiton

Conservative exposure strategy post Covid on new acquisition Prudent Credit limit assignment 99,475 86,646 61,411 120,000 -Pre-Covid 110,000 100,000 45,518 45,042 90,000 40,013 80,000 Average Credit Limit for new customers. 70,000 Jul-Sep'20 Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk Reduction in exposure through conservative limit assignment on new cards - reducing value at risk Oct-Dec'20 Average Credit limit Off Us Jan-Mar'21 Apr-Jun'21 Jul-Sep'21 Average Credit limit On Us 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 - 49

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