Financial Performance Review Q1 FY21

Micro-banking - Portfolio Concentration reducing in top 3 / 5 states RBL Portfolio- Top 3 & Top5 state concentration reducing State Name % of Portfolio % of Portfolio 59% 55% Jun'20 Mar'20 38% 41% Bihar 14.6% 14.7% Tamil Nadu 13.7% 13.4% Maharashtra 10.8% 10.7% Top3 Top5 Karnataka 8.8% 8.8% ■March '2020 ■March 2019 West Bengal 8.7% 8.5% Rajasthan 7.1% 7.3% Industry Comparison- Top-3& Top-5 State Concentration Odisha 6.2% 6.2% Madhya Pradesh 4.9% 4.9% 62% Punjab 4.5% 4.6% 55% 55% 46% 38% 39% Haryana 3.7% 3.9% Uttar Pradesh 3.4% 3.4% Gujarat 3.1% 3.1% Assam 2.8% 2.8% Jharkhand 2.1% 2.1% ■RBL Peers ■Industry • . . District cap - 2% Top-3 Geographical diversification and state / district caps ensure lower geographical concentration than Peers State concentration cap of 15% 97% districts (363 districts) have <1% contribution 10 districts have between 1 to 1.5% contribution and only 2 districts have over 1.5% Top-5 Chhattisgarh 1.7% 1.7% Kerala 1.5% 1.5% Uttarakhand 0.8% 0.8% Goa 0.6% 0.6% Tripura 0.5% 0.5% Puducherry 0.5% 0.4% Meghalaya 0.1% 0.1% Grand Total 100.0% 100.0% apno ka bank | RBL Bank Source Equifax Peers: two largest banks, two SFB's and two prominent MFI's 35

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