Major Highlights for Q3 FY24

Key Ratios Parameter Q1 23 Q2 23 Q3 23 Q4 23 Q1 24 Q2 24 Q3 24 Yield on Advances 12.35% 12.21% 12.78% 13.54% 13.87% 14.03% 14.00% Cost of Deposits 4.84% 5.14% 5.47% 5.73% 6.07% 6.21% 6.31% Cost of Funds 4.87% 5.19% 5.55% 5.85% 6.15% 6.33% 6.45% Net Interest Margin 5.04% 5.02% 5.27% 5.62% 5.53% 5.54% 5.52% Cost/Income 70.7% 70.8% 70.1% 70.8% 69.3% 66.5% 67.1% Credit Cost (bps) 43 39 39 29 39 90** 48** RoA RoE 0.75% 6.28% 0.77% 6.12% 0.78% 6.25% 1.00% 1.01% 1.00% 1.03%* 8.11% 8.39% 8.38% 8.89%* * After netting off contingent provision on AIF investments, ROA was 0.75% & ROE was 6.48% ** Credit Cost includes Contingency Buffer on Credit Cards + Microfinance + Personal Loans of 37bps for Q2 & 1bps for Q3 FY24 ** Credit Cost for Q2 FY24 includes 6bps impact of additional provision on Credit Cards on policy change, now part of ongoing credit costs apno ka bank | RBL Bank Not Annualized for quarters 8

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