RBL Bank Financial Performance Update

Leveraging Existing Operating Investments.. Asset/liability cross sell/upsell through branches and BC touchpoints; dedicated branch sales team for multiple products enabled through targeted lead generation 1,683 Touchpoints 1,166 517 12.91mn 2,600 Touchpoints 26mn Smart Branch Branch Banking Credit Card MFI Wholesale Other Branch Retail asset desk Digital Platforms - Abacus, 1,800 Voice- Non-voice channels 800 FY23 Branches BC Points FY26 #Customers alue) 2499 Branch Acquiring Integrated CRM Cross-sell LEVERAGE X-SELL UPSELL Partnerships Digital CDP, One-KYC, Unified App Acquiring BC channels Subsidiar y as BC Fintech, Technology Co-lending, service Securitization providers Hub&Spok e model • Investments done in building asset platform, technology, I manpower, systems etc. to result in operating leverage Unlocking operating efficiencies in the existing infrastructure to help leapfrog asset sale targets Return to calibrated growth will unlock operating leverage I apno ka bank | RBL Bank Leverage deep rural presence through tailored product offering in underbanked areas, large volume centres Tie-ups with online aggregators, dealers, OEMS for tractors, used-cars, farm equipment offerings 36 I I I I I I

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