Investor Presentaiton

Spend Recovery Spend Impact and Recovery Spends Spends by category Spend Type# Mar'21 Jun'21 Sept❜21 Spend per Card Indexed (Sept❜21 vs 100% 102% 103% 102% Mar'21) Daily 76% 80% 79% 1.08 Ecom 53% 57% 60% 1.23 POS 47% 43% 40% 0.92 Mar'21 July'21 Aug'21 Sept'21 Discretio 20% 16% 16% 0.85 nary Aug’21 Spends has been all time high Avg. per day spends highest in Sep'21 since launch of business Ecom 21% 31% 23% 0.92 POS 79% 69% 77% 0.83 Travel 4% 4% 5% 1.05 #Spend Type Daily: Grocery/Stores, Telecom, Utility, Education, Health & Insurance, Wallet Load, Fuel & Cab Discretionary: Lifestyle & Apparel, Dining & Food Delivery, Entertainment, Durables Travel: Hotel, Travel Agency, Airlines, Railway etc apno ka bank | RBL Bank Ecom spend share increased across category Ecom 61% 52% 63% 1.10 POS 39% 48% 37% 0.98 Total 100% 100% 100% 1.03 Ecom 47% 53% 54% 1.19 POS 53% 47% 46% 0.89 45

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