Investor Presentation Q1 FY 23

Credit Card Retail Spend Insights 180% SPEND # ACROSS CATEGORY 160% -Daily 140% 6,111 Cr 10,151 Cr -Discretionary -Travel 2,319 Cr 120% 1,702 Cr 100% 644 Cr 80% 667 Cr 60% 40% 20% 0% DJF'FY Q1FY21 Q2FY21 Q3FY21 Q4FY21 Q1FY22 Q2FY22 Q3FY22 Q4FY22 Q1FY23 20 Daily 100% 63% 89% Discretionary 100% 42% 78% 105% 106% 113% 113% 133% 151% 159% 166% 104% 80% 105% 134% 117% 136% ―Travel 100% 13% 31% 53% 66% 42% 65% 81% 75% 97% Q1 FY23 Over Previous 9 Quarters | DJF'FY20 consists of Dec'19, Jan'20 and Feb'20 May'22 Spends has been all time high #Spend Type Daily: Grocery/Stores, Telecom, Utility, Education, Health & Insurance, Wallet Load, Fuel & Cab Discretionary: Lifestyle & Apparel, Dining & Food Delivery, Entertainment, Durables Travel: Hotel, Travel Agency, Airlines, Railway etc apno ka bank | RBL Bank 38

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