Asset Quality and Performance Overview

Cost Increase Driven by Business Expansion; Range Bound Credit Costs Operating Expenses Net Credit Cost by Business (bps) 429 392 1,056 1,503 13* 20* 53 24* 85 96 157 42 44 132 42 49% 40 120 120 3738 116 107 43% 56% 307 49% 28 88 6% 6% 8% 49% 9% 6% 8% 6% 8% 42% 6% 37% 8% 30% 37% 37% Q4 17 Q3 18 Q4 18 1110 32 42 6 15 10 10 FY 17 FY 18 Q4 17 Q3 18 ■ Employee Premises ■Depreciation Others apno ka bank | RBL Bank 33 53 46 40 26 26 8 21 Q4 18 FY 17 FY 18 ■C&IB ■CB ■Retail Assets ■DB&FI ■ Agri * Not Annualized for the bank or at individual segment level for the quarter 20 20

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