Strategic Business Opportunities and Technological Tailwinds

Credit Card Industry Share & Growth Trends - Jun'23 Cards (#) Spends (INR) Advances (INR) ICICI, 17% Others, 15% AXIS, 14% Kotak, 6% SBI, 20% RBL, 5% HDFC, 21% IndusInd, 3% 88.7 85.3 73.6 FY16-FY23 CAGR: 20% 62.0 57.7 47.0 37.5 29.8 24.5 ICICI, 17% AXIS, 12% Others, 12% SBI, 18% FY16-FY23 CAGR: 29% ICICI, 19% AXIS, 17% KOTAK, 5% RBL BANK 80 Years In Your Service ESTARUSHED IN 1943 RBL, 9% SBI, 21% Indusind, 5% RBL, 4% HDFC, 28% Kotak, 4% INDUSIND, 4% HDFC, 22% Others, 3% 7370 6324 6076 4626 3312 2437 9774 14373 4117 FY16-FY23 CAGR: 26% 1165 1081 883 686 521 377 1478 2094 1943 FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 YTM'24* FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 YTM'24* FY16 FY17 FY18 FY19 FY20 FY21 FY22 FY23 YTM'24* Cards are in million, Spends and Advances are in Billion YTM'24 is till Jun'23 Source: rbi.org, 26

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