Financial Performance Overview

Operating Costs Increase Driven By Business Volume Growth; Credit Costs Lower QoQ Operating Expenses 963 1,135 1,199 2,637 3,447 Net Credit Cost by Business (bps) 73* 39* 39* 444* 121* 429 68 13% 12% 11% 4% 4% 4% 9% 10% 15% 10% 14% 4% 11% 13% 12% 41 5% 11% 12% 12% 12% 10% 11% 11% 12% 22% 23% 10% 22% 21% 22% 5 26% 30% 28% 27% 29% (2) Q3 FY22 Q2 FY23 Q3 FY23 9M FY22 9M FY23 ■Employee ■Tech & Outsourcing ■Business Acquisition ■Premises ■Payments&General Banking ■Depreciation ■Others apno ka bank | RBL Bank 35 35 Q3 FY22 Q2 FY23 Q3 FY23 ■Wholesale 14 3 118 9M FY22 9M FY23 ■Retail Not Annualized for the bank or at individual segment level for the quarter 18

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