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Micro-Banking - Portfolio Concentration RBL Portfolio- Top-3 and Top-5 States 39% 64% 55% 38% State Name % of Portfolio % of Portfolio % of Portfolio % of Portfolio 55% Sep'21 Mar'21 Sep'20 Mar❜20 38% Bihar 13.6% 12.8% 13.7% 14.7% Tamil Nadu 13.2% 13.0% 13.7% 13.4% Rajasthan 11.4% 10.9% 7.5% 7.3% Sep'2019 Sep'2020 ■Top-3 ■Top-5 Sep'2021 Uttar Pradesh 8.6% 7.8% 4.8% 3.4% Karnataka 8.4% 9.0% 8.7% 8.8% Maharashtra 7.8% 8.4% 10.3% 10.7% Industry Comparison- Top3 & Top5 States Concentration West Bengal 7.1% 7.2% 8.6% 8.5% 61% 56% Madhya 5.1% 5.1% 4.8% 4.9% 55% Pradesh 46% 38% 39% Odissa 5.0% 5.3% 6.0% 6.2% Haryana 4.1% 3.8% 3.7% 3.9% Gujarat 3.6% 3.2% 3.1% 3.1% Punjab 3.4% 3.6% 4.5% 4.6% Jharkhand 3.0% 3.0% 2.5% 2.1% Top 3 states Top 5 states Kerala 1.7% 1.6% 1.5% 1.5% ■RBL ■Peers Industry Assam 1.3% 1.9% 2.6% 2.8% Chhattisgarh 1.0% 1.3% 1.5% 1.7% • Geographical diversification and state / district caps ensure lower geographical concentration than Peers Uttarakhand 0.7% 0.7% 0.7% 0.8% Tripura 0.5% 0.5% 0.5% 0.5% • State concentration cap of 15% Goa 0.4% 0.4% 0.5% 0.6% Puducherry 0.1% 0.4% 0.5% 0.4% • District Cap-2% Meghalaya 0.0% 0.1% 0.1% 0.1% • 97% districts have <1% contribution . 11 districts have between 1 to 1.5% contribution Himachal 0.0% 0.0% 0.0% 0.0% Pradesh Grand Total 100.0% 100.00% 100.0% 100.00% apno ka bank | RBL Bank Source: Equifax Peers: two largest banks, two SFB's and two prominent MFI's 35

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