Financial Performance Review Q1 FY21

Credit Cards - Portfolio Trends Retail Spend / Card Consumer Loans ('000) 926 925 20,594 850 19,311 19,639 19,323 19,067 755 16,365 13,414 10,490 10,838 11,519 10,564 7,451 5,857 4,417 539 227 176 136 Q1'20 Q2'20 Q3'20 Q4'20 Retail Spend/Card Apr 20 May'20 Jun'20 Retail Spend/Active Card Q1'20 Q2'20 Q3'20 Q4'20 Q1'21 Apr'20 May'20 Jun'20 30 Day Retail Active 54% 55% 56% 55% E-com Spend Share 61% 55% 51% 39% 44% 45% 36% 43% 43% 33% Q1'20 Q2'20 Q3'20 Q4'20 Apr 20 May'20 Jun'20 Q1'20 Q2'20 Q3'20 Q4'20 Apr'20 May'20 Jun'20 Ecom share up. Retail spend / active card at Q4, FY20 levels. Active rate adjusted for Morat is around 5% lower - increasing every month. apno ka bank | RBL Bank 40

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