Financial Performance Overview

Micro banking - Portfolio Concentration State Name % of Portfolio % of Portfolio Top-3 & Top-5 Portfolio Contribution Dec'22 Mar'22 % of Portfolio % of Portfolio Mar'20 66% Mar'21 53% 37% 61% 45% 54% Bihar 25.2% 18.9% 12.8% 14.7% Uttar Pradesh 14.6% 11.2% 7.8% 3.4% Rajasthan 14.1% 14.7% 10.9% 7.3% Odisha 6.1% 4.0% 5.3% 6.2% Haryana 5.6% 5.7% 3.8% 3.9% Jharkhand 5.2% 3.1% 3.0% 2.1% Mar'2021 Mar'2022 Dec'2022 Tamil Nadu 4.8% 9.2% 13.0% 13.4% Karnataka 4.8% 6.4% 9.0% 8.8% ■Top-3 ■Top-5 Madhya Pradesh 4.4% 4.7% 5.1% 4.9% Gujarat 3.9% 4.8% 3.2% 3.1% West Bengal 3.4% 4.9% 7.2% 8.5% Punjab 3.1% 2.9% 3.6% 4.6% Industry Comparison-Top3 & Top-5 State Concentration Maharashtra 2.4% 5.3% 8.4% 10.7% 65% 54% Kerala 0.8% 1.2% 1.6% 1.5% 63% 56% Uttarakhand 0.4% 0.6% 0.7% 0.8% Chhattisgarh 0.3% 0.6% 1.3% 1.7% 44% 38% Tripura 0.2% 0.4% 0.5% 0.5% Puducherry 0.2% 0.3% 0.4% 0.4% Goa 0.2% 0.3% 0.4% 0.6% Himachal 0.0% 0.1% 0.0% 0.0% Pradesh Assam 0.0% 0.5% 1.9% 2.8% RBL Peers Industry Jammu & 0.0% 0.0% 0.0% 0.0% Kashmir ■Top 3 states ■Top 5 states Meghalaya 0.0% 0.0% 0.1% 0.1% Grand Total 100.0% 100.0% 100.0% 100.0% apno ka bank | RBL Bank Source: Equifax- Data as of Sept-2022 Peers: two largest banks, two SFB's and two prominent MFI's 46

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