RBL Bank Financial Performance Update

Key Drivers of Business Performance in Q4 FY23 Strong Advances Growth - Growth of 17% YoY and 5% sequentially; driven by Retail Advances Growth of 21% YoY and 8% sequentially - Highest ever Quarterly & Annual Profit – PAT for Q4 FY23 grew 37% YoY and 30% QoQ to Rs. 271 crore; PAT for FY23 was Rs. 883 crore vs Loss of Rs. 75 crore for FY22 ROA at 1.00% vs 0.78% for Q3 FY23 - NIM above 5% led by Optimal Balance Sheet utilization at 5.01% vs 4.74% for Q3 FY23 Consistently Improving Asset Quality - Net NPA of 1.10% vs 1.18% for Q3 FY23, PCR of 68.1% vs 68.0% for Q3 FY23 Credit Cost was 29bps vs 39bps for Q3 FY23; 149bps for FY23 vs 515bps for FY22 apno ka bank | RBL Bank 4

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