Strategic Business Opportunities and Technological Tailwinds
Industry vs RBL Performance
6MOB $30+ Rates - Originations (Credit Cards)
RBL BANK
Years In Your Service
ESTARUSHED IN 1943
Co-incidental $90+ Rates (excluding 180+)
Industry
RBL
Oct'21 Nov 21 Dec'21 Jan'22 Feb'22 Mar 22 Apr 22 May 22 Jun 22 Jul 22 Aug 22 Sep'22
2.4% 2.6% 3.0% 3.2% 3.5% 4.0% 4.0% 4.5% 5.2% 5.5% 5.2% 5.3%
1.1% 1.9% 1.6% 1.8% 1.7% 1.9%
1.6%
Sep'21
Sep'22
Mar'23
Industry
2.7%
2.5%
3.1%
1.9% 2.0% 1.7% 1.4% 1.6%
RBL
3.1%
1.8%
1.6%
GNPA, GCO & Credit Cost
13.0%
10.2%
9.7%
7.9%
5.1%
4.2%
3.8%
5.6%
3.8%
4.1%
3.4%
0.9%
1.2%
1.0%
5.3%
5.4%
4.5%
4.7%
2.4%
2.2%
2.3%
FY18
FY19
FY20
FY21
FY22
FY23
FY24*
GNPA%
GCO%
Credit cost%
RBL 6MOB 30+, 9MOB 90+ & 12MOB 90+
5.4%
RBL 30+, 60+, 90+
8.9%
3.2%
6.0%
5.7%
2.9%
2.4%
2.5%
2.4%
3.8%
2.0%
3.5%
3.8%
4.1%
3.6%
3.9%
1.8%
1.6%
2.4%
2.6%
1.5%
2.5%
1.4%
2.3%
2.5%
2.4%
2.6%
1.7%
3.7%
1.7%
1.5%
1.4%
1.1%
1.3%
2.6%
1.3%
1.2%
1.4%
1.5%
1.0%
1.1%
1.7%
FY18
FY19
FY20
FY21
FY22
FY23
FY24*
FY18
FY19
FY20
FY21
FY22
FY23
FY24*
30+
60+
90+
6MOB 30+
9MOB 90+
12MOB 90+
* FY24 consists of Q1 only
*As % of Bucket Curbal
Credit Cards only. Includes all Delinquencies (i.e., includes 180dpd+)35View entire presentation