Strategic Business Opportunities and Technological Tailwinds
Risk Management
Microfinance PAR - RBL* vs Peer/Industry
1.80%
1.36%
1.06%
2.10%
1.65%
1.08%
RBL_Apr'23
Industry_Apr'23
30+
60+
90-179
Source: Bureau data
33
לי
A
Risk Appetite
ROBUST RISK CONTROLS
RBL BANK
80
Years In Your Service
ESTARUSHED IN 1943
Thresholds
Monitoring of leading
indicators
•
Behavioral Footprint
Analysis
Monitoring Feedback
Loop
Defined threshold of exposure at state, district, branch level;
Inhouse developed scorecard for assessment of customer profile
Early Indicator of Stress identification through collection efficiency,
flow rates
Analytics driven collection strategies (high-touch/low touch) based
on leading indicator outcome
Regular Onus & Off us performance analysis
Diligent monitoring of quick mortality cases
Rigorous review mechanism in place to conduct regular reviews at
branch, state, region and corporate level to ensure proper
monitoring and action
On ground portfolio monitoring/trigger-based monitoring by an
independent risk monitoring team
Origination and underwriting parameters are continuously watched
and improved based on the dashboard results
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