Financial Performance Review Q1 FY21

COVID-19 | Spend Impact & Recovery 100% Mar'20 Spends 55% Lockdown* Spend/Card 100% 84% Recovery** Mar'20 53% Lockdown* 84% Recovery** Spends dropped to 55% levels in Apr & May. Have recovered to 84% of March levels in July (78% in Jun) *Lockdown: Apr & May'20 ** Recovery Jul'20 1st half RBL Bank vs. Industry Comparison# Q4 FY20 YOY Apr 20 YOY RBL Industry Top 5 RBL Industry Top 5 Cards (#) 60% 23% 22% 48% 20% 19% Spends 76% 12% 16% -37% -64% -63% Spends/Card 7% -10% -6% -57% -70% -69% # Source RBI Data apno ka bank | RBL Bank • Q-o-Q Cards growth higher than competition YOY Drop in Spends, Spend/Card in April'20 lower than Industry 42

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