Major Highlights for Q3 FY24

18.0% 16.0% 14.0% 12.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% 10.0% 8.0% 6.0% 4.0% 2.0% 0.0% Jan-Mar'20 Apr-Jun'20 Jul-Sep'20 Oct-Dec'20 Jan-Mar'21 Apr-Jun'21 Jul-Sep'21 Oct-Dec'21 Ад 6 MOB$30+ Comparison with Industry Credit Cards - tighter control on new bookings resulting in delinquencies in line with industry. 12.0% 10.0% INDUSTRY RBL Jan-Mar'22 Apr-Jun'22 Jul-Sep'22 Oct-Dec'22 Jan-Mar'23 Jan-Mar'20 Apr-Jun'20 Jul-Sep'20 Oct-Dec'20 Jan-Mar'21 Apr-Jun'21 Jul-Sep'21 Oct-Dec'21 3MOB $30+ Comparison with Industry Jan-Mar'22 Apr-Jun'22 Jul-Sep'22 Oct-Dec'22 Jan-Mar'23 12.0% 10.0% INDUSTRY 8.0% RBL 6.0% 4.0% 2.0% Apr-Jun'23 0.0% Note: • In the bureau, higher uptick seen in industry delinquency rates in Dec'20-Feb'21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. Second instance of uptick seen in industry delinquency rates in Jul'21-Aug'21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer apno ka bank | RBL Bank $30+ Comparison with Industry INDUSTRY RBL 8.0% 6.0% 4.0% 2.0% 0.0% Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 $90+ Comparison with Industry Mar'20 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Dec'21 Mar'22 Jun'22 Source TransUnion / CIBIL Sep'22 INDUSTRY RBL Refer note below Dec'22 Mar'23 Jun'23 Sep'23 Refer note below Mar'22 Jun'22 Sep'22 Dec'22 Mar'23 Jun'23 Sep'23 35 35

View entire presentation