Financial Performance Review Q1 FY21

Credit Cards - Customer Segment insights Salaried: Self Employed (SE) mix 1.08 30% 70% 0.96 City Tier mix 0.78 17% 0.82 12% 71% 1.07 ■Salaried Self-Employed Age Group mix TIER 1 TIER2 TIER3 1.81 0.88 1.46 1.15 14% 19% 20% 3% Carded Mix 26% 35% 1.04 0.95 Below 30 30-35 35-45 ■45+ NTC 0 83% 0.90 Bureau Tested Carded Bias towards safer segments - lower delinquencies than industry apno ka bank | RBL Bank : $90+ Base Indexed Delinquency Rate 41

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