Financial Performance Overview

18.0% 16.0% 0.0% Jan'19 12.0% 2.0% -3.0% Jan'19 Feb'19 Note: Mar'19 Apr'19 May'19 Jun'19 Jul'19 Aug'19 7.0% INDUSTRY RBL Feb'19 Mar'19 Apr'19 May'19 Jun'19 Jul'19 Aug'19 14.0% 12.0% INDUSTRY RBL 10.0% 8.0% 6.0% 4.0% 2.0% Sep'19 Oct 19 Nov'19 Source: TransUnion / CIBIL • • In the bureau, higher uptick seen in industry delinquency rates in Dec'20-Feb'21 period on account of a likely data submission issue by a large card issuer. If we remove that, the industry and RBL numbers are in line with each other. Second instance of uptick seen in industry delinquency rates in Jul'21-Aug'21 period on account of delayed booking of Moratorium-driven delinquencies by a large card issuer apno ka bank | RBL Bank Sep'19 Oct 19 Dec'19 Nov'19 6MOB$30+ Comparison with Industry Jan'20 Feb'20 Jan'20 Feb'20 Mar'20 Dec'19 Apr 20 Jun'20 Jul'20 May'20 3MOB$30+ Comparison with Industry Mar 20 Apr'20 May'20 Jul'20 Jun'20 Aug'20 Credit Cards - tighter control on new bookings resulting in delinquencies in line with industry. Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Mar'21 Apr'21 May'21 Jun'21 Jul'21 Aug'21 Sep'21 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Mar'21 Apr'21 May'21 Jun'21 Jul'21 Aug'21 Sep'21 Oct'21 Nov'21 Dec'21 Jan'22 Feb'22 Mar'22 Refer note below Oct'21 Refer note below Nov'21 Dec'21 Jan'22 Feb'22 Mar'22 Apr'22 May'22 Jun'22 39

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