Financial Performance Update

Credit Cards - tighter control on new bookings resulting in lower delinquencies than industry. 7.0% 6.0% 5.0% 4.0% 3.0% 2.0% 1.0% 0.0% 6MOB$30+ Comparison with Industry 6 MOB30+ spike as these cards immediately went into lockdown without moratorium eligibility. No dpd movement due to moratorium Jan'19 Feb'19 Mar'19 Apr'19 May'19 Jun'19 Jul 19 Aug'19 Sep'19 Oct'19 Nov'19 Dec'19 Jan'20 Feb'20 Mar'20 Apr'20 May'20 Jun'20 Jul'20 ⚫INDUSTRY RBL 100% Collection efficiency back to normal 100% 94% 89% 86% 84% 85% 85% 81% 100% 101% 101% 100% 98% Pre-Covid Mar'20 Apr'20 May'20 June'20 July'20 Aug'20 Sep'20 Oct'20 Nov'20 Dec'20 Jan'21 Feb'21 Mar'21 apno ka bank | RBL Bank Source: TransUnion / CIBIL 44

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