Investor Presentation Q1 FY 23

Micro-Banking Portfolio Concentration Top-3 & Top-5 State Concentration State Name % of Portfolio % of Portfolio June'22 Mar'22 61% 60% 54% Bihar 19.4% 18.9% 50% 45% 46% Rajasthan 14.9% 14.7% 37% 37% Uttar Pradesh 11.3% 11.2% Tamil Nadu 8.7% 9.2% Karnataka 6.1% 6.4% Haryana 5.8% 5.7% Maharashtra 5.2% 5.3% Mar'2021 June'2021 Mar'2022 June'2022 West Bengal 5.0% 4.9% ■Top-up3 Top-5 Gujarat 5.0% 4.8% Madhya Pradesh 4.8% 4.7% Odisha 3.9% 4.0% Jharkhand 3.0% 3.1% Industry Comparison - Top3 & Top5 State Concentration Punjab 3.0% 2.9% Kerala 1.1% 1.2% Uttarakhand 0.6% 0.6% 64% 47% 64% 46% Chhattisgarh 0.6% 0.6% 55% Assam 0.6% 0.5% 37% Tripura 0.4% 0.4% Puducherry 0.3% 0.3% Goa 0.3% 0.3% Himachal Pradesh 0.1% 0.1% Meghalaya 0.0% 0.0% Grand Total 100.0% 100.0% RBL Peers Industry ■Top 3 states ■Top 5 states apno ka bank | RBL Bank Source: Equifax Peers: two largest banks, two SFB's and two prominent MFI's 44

View entire presentation