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Credit Cards - Customer Segment insights Salaried Self Employed (SE) mix City Tier Mix 100% 100% 90% 17% 18% 19% 20% 21% 23% 30% 29% 29% 29% 29% 29% 80% 80% 12% 12% 12% 12% 70% 12% 12% 60% 60% 50% 40% 40% 70% 71% 71% 71% 71% 71% 71% 70% 69% 68% 67% 66% 30% 20% 20% 10% 0% 0% Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 ■Salaried Self-Employed Age Group Mix TIER 1 TIER 2 TIER 3 Carded Mix 100% 3% 3% 3% 100% 14% 13% 13% 13% 3% 13% 3% 13% 19% 19% 18% 18% 19% 19% 80% 80% 35% 35% 35% 35% 36% 36% 60% 60% 40% 83% 84% 84% 84% 84% 84% 40% 26% 27% 27% 27% 26% 26% 20% 20% 20% 20% 20% 20% 20% 19% 0% 0% Jun'20 Sep'20 Dec'20 Mar'21 Jun'21 Sep'21 Jun'20 ■Below 30 30-35 35-45 ■45+ Sep'20 ■Carded Dec'20 Mar'21 ■Bureau Tested Jun'21 Sep'21 ■ NTC Bias towards safer segments. Contribution of Tier 3 higher in new acquisition apno ka bank | RBL Bank 44

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