Investor Presentation Q1 FY 23

RBL Bank Q1 FY23 Snapshot Improving Financial Metrics ■ NIM at 4.4% Other Income 37.4% of Total Income ■ Core Fee Income: Rs. 531 crore Annualised RoA : 0.8% ■ Diversified Advances with Growing Retail ■ Total Advances of Rs. 60,270 crore ■ 51:49 Retail:Wholesale Mix ■ Diversifying Retail Mix Credit Cards: 23% of advances Microfinance: 6% of advances Building Niches in Housing Loans, Rural Vehicles & Small Business Loans: 5% of Advances Growing Granular Deposits ■ Total Deposits of Rs. 79,216 crore ■ Total Deposits grew 6% YoY ■ CASA grew 14% YoY ■ CASA ratio at 36.0% ■ Retail Deposits (as per LCR definition) grew 6% YoY to 39.7% ■ Cost of Deposits 4.8% for Q1 Healthy Capitalisation and Liquidity Levels ■ CRAR improved 70bps QoQ to 17.5% and CET 1 at 16.0% ■ Issued US$ 100mn Tier 2 Notes to US DFC Average LCR at 149% for the quarter Improving Asset Quality ■ GNPA reduced 32bps sequentially to 4.08%; NNPA reduced 18 bps to 1.16% ■ Net Slippages at Rs. 273 crore ■ PCR at 72.5% ■ Net Restructured Advances at 2.35% Continued Increase in customer base and distribution network ■ Customer base at 11.30 mn increase of 0.15 million QoQ ■ Distribution network of 502 branches, 417 ATMs and 1302 BC branches/Banking Outlets apno ka bank | RBL Bank 4

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