Financial Performance Update

Conservative exposure strategy post Covid on new acquisition - lower value at risk Prudent Credit limit assignment 101,404 Average Credit Limit for new customers 120,000 ⚫Pre-Covid 110,000 Post-Covid 61,411 100,000 45,042 90,000 48,479 37,866 80,000 70,000 Risk Category 1 Risk Category 2 Increasing Risk Risk Category 3 Jul-Sep'20 Oct-Dec'20 Jan-Mar'21 Average Credit limit Off Us Average Credit limit On Us Reduction in exposure through conservative limit assignment on new cards - reducing value at risk - Limit assignment much lower than other cards held by the customer – build up exposure basis risk profile post six months apno ka bank | RBL Bank Source: TransUnion / CIBIL 46

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