Strategic Business Opportunities and Technological Tailwinds

..And Our Aspirational Leap.. FY 23 NNPA 1.10% Asset quality stress fully absorbed PCR 69% CRAR 16.9 Well capitalized to fund growth LCR : 126 % 5+ senior hires <30% attrition 1600+ touchpoints; 20% share in incremental biz Cost to Income at 68% ROA 0.8% RBL BANK Years In Your Service ESTARUSHED IN 1943 20%+ CAGR in advances 60-65% Retail mix Customer count - 26 mn FY 26 Building on existing "Core" Businesses and building scale in nascent verticals Focus on branch driven asset growth- Focal point of cross sell Building a data led omnichannel customer first approach Strong regulatory and compliance culture Attracting senior management talent; low attrition rates Leveraging points to drive granular liabilities 5€ Responsible Banking New business showing green-shoots HR Transformation Being a relevant Employer for tomorrow's workforce Operating investments largely made Improved tech stack Digital first solutioning Improving Profitability QoQ Return Ratios 1.4-1.5% ROA/13-15% ROE 5

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