Financial Performance Review Q1 FY21
COVID-19 | Spend category Impact
Spend Type
Daily
Categories
Grocery/Stores, Telecom, Utility,
Education, Health & Insurance, Wallet
Load, Fuel & Cab
Mar'20 Spend Mix
(Online Share in
brackets)
78%
(51%)
Discretionary
Lifestyle & Apparel, Dining & Food
Delivery, Entertainment, Durables
17%
(16%)
42%
(33%)
Travel & Cash
Hotel, Travel Agency, Airlines, Railway,
Cash
5%
(54%)
Lockdown*
Spend vs Mar'20
(Online Share)
58%
(61%)
15%
(93%)
Recovery Ph.**
Spend vs Mar'20
(Online Share)
85%
(57%)
93%
(35%)
33%
(77%)
100%
Total
(45%)
53%
(58%)
84%
(53%)
* Lockdown : Apr & May'20; ** Recover: July 1st Half;
Online spend share in ( )
Travel & Cash, the worst impacted by COVID-19, is only 6% of total pre-COVID spend mix. This will take
longest to recover. However, not much impact in total spend recovery.
Online Spend share which increased from 45% to 58% in lockdown phase is currently at 53%. Expected to
remain higher as more spends go digital.
Daily Spends at 84% of Mar' 20 levels (Fuel and Cab recovery still lower) whereas Discretionary Spends are
at 93% levels (Dining and food delivery is lower). Likely to improve in coming months.
apno ka bank | RBL Bank
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