Financial Performance Update

Q4 and FY21 Financial Highlights YoY Revenue growth of 5% powered by Other Income growth of 38% Despite COVID impact, consistent growth in PPOP every quarter leading to PPOP growth of 17% YoY (9% growth sequentially) to Rs. 877 crore Net Profit at Rs. 508 crore for FY21, similar to FY20, down QoQ due to accelerated/additional prudential provisioning NIM at 4.2%, sequentially flat, but subdued for the year due to reversal of interest income on slippages Retail advances grew 13% YoY and 4% QoQ; Retail : Wholesale mix at 59:41 Strong Deposit growth 26% YOY (9% sequentially) to Rs. 73,121 crore; LCR at 154% for the quarter Strong CASA growth at 36% YOY (11% sequentially) to Rs 23,264 crore; CASA Ratio at 31.8% vs. 29.6% in Q4FY20 Reduction in NPA levels; GNPA at 4.34% vs. 4.57% in Q3FY21 (Proforma basis), NNPA at 2.12% vs. 2.52% in Q3FY21 (Proforma basis). NNPA flattish YoY despite Covid related slippages in FY21 PCR increased to 72.2% in Q4FY21 (up 800bps YoY) Total customer base of 9.63 million; addition of 0.55 million in the quarter apno ka bank | RBL Bank CO

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