Strategic Business Opportunities and Technological Tailwinds

Large Distribution Network LEVERAGING THE MFI BRANCH NETWORK - MULTI PRODUCT DISTRIBUTION RFL BEING THE LARGEST PARTNER & BANK SUBSIDIARY TO LEAD THIS Branch Network & Feet On Street • 1100+ BC Branches 9000+ Feet on street انا Business Volume ~3 million customer base 2.5 million loan disbursement annually ~ 1 million Hospicash insurance enrollment expected FY24 RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 IIII Product Basket Readily available product like AHL, MSME, Tractor, TW, Gold/Car Loans Existing product execution capabilities & underwriting capability Non JLG product to be extended through BC distribution network Rural Domain Expertise MFI BC Channels has deep business understanding of rural geographies & rural customer base Expertise to handle collections in the target segment Existing infra highly cost effective & capability to expand fast Robust Tech Platform Clear understanding of "Hi-Tech, Hi-Touch" approach that works in the segment Agile tech platform to accommodate processing of multiple product 52

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