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- Tighter risk measures on new acquisition – lowering risk in the Lower value @ risk for same number delinquency vs industry* Higher proportion of low risk clients 70% 3.00 Pre-Covid 60% 2.50 2.03 50% 1.92 2.00 1.66 1.51 1.50 40% 1.50 1.37 1.50 1.32 30% 0.92 0.90 0.89 1.00 1.26 20% 0.50 10% 0.00 0% Apr'19 Jun'19 Sep'19 Jun'20 Sep'20 Dec'20 Risk Category 1 Risk Category 2 Risk Category 3 Increasing Risk -Industry RBL Sharper exposure management across risk bands leading to lower value at risk for same number delinquency. Measured as Ratio of 6 MOB 30+ ($) / 6 MOB 30+ (#) Significantly tighter risk filters - higher proportion of lower risk. apno ka bank | RBL Bank * Source: TransUnion / CIBIL 48

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