Financial Performance Overview

RBL Bank Q3 FY23 Snapshot Improving Financial Metrics ■Net Profit grew 34% YoY to Rs. 209 crore ■NIM at 4.7%, improved by 19bps sequentially ■ Other Income 35.0% of Total Income Core Fee Income 33% of Total Income at Rs. 590 crore Diversified Advances with Growing Retail ■ Total Advances grew 15% YoY & 6% QoQ to Rs. 66,684 crore ■ Retail Advances grew 13% YoY and 7% QoQ to Rs. 34,977 crore Diversifying Retail Mix Credit Cards: 23% of advances Microfinance: 8% of advances Housing Loans, Rural Vehicles & Small Business Loans: 8% of Advances Growing Granular Deposits ■ Total Deposits grew 11% YoY to Rs. 81,746 crore ■ CASA grew 18% YoY ■ CASA ratio at 36.6% ◉ ■ Retail Deposits (as per LCR definition) grew 25% YoY, was 42.5% of total deposits ■ Cost of Deposits at 5.5% ◉ Healthy Capitalisation and Liquidity Levels CRAR at 17.0% and CET 1 at 15.5% Average LCR at 144% for the quarter Improving Asset Quality ■ GNPA reduced 19bps sequentially to 3.61%; NNPA at 1.18% ■ Net Slippages at Rs. 383 crore ■ PCR at 68.0% ■ Net Restructured Advances reduced 33bps sequentially to 1.44% Increasing customer base and distribution network ■ Customer base at 12.00 mn increase of 0.24 million QoQ ■ Distribution network of 516 branches, 413 ATMs and 1168 BC branches/Banking Outlets ■ apno ka bank | RBL Bank 5 LO

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