Strategic Business Opportunities and Technological Tailwinds

Franchise for Cross-sell U # Card Customers % Population Feb'23 AIF Cards Base ~40,00,000 100% 3+ MOB 35,00,000 89.1% At-least 2 full months of card engagement No off-us 30+ in last 6 months No Historical Delinquency (off-us) 31,00,000 79.8% (strong off-us payment behavior) CIBIL > 730 27,00,000 69.2% High CIBIL Score RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 % Population At-Least 1 Home Loan or LAP Trade 26% Opportunity to bring Home/Property Loan in-house At-Least 1 Auto Loan Trade 14% Opportunity to bring Auto Loan in-house At-Least 1 Personal Loan Trade 65% Opportunity to cross-sell Personal Loan At-Least 1 Two-Wheeler Loan Trade 13% Opportunity to cross-sell 2-Wheeler Loan RBL Card Customers as of Feb'23 end 44

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