Investor Presentation

July 17, 2026 BSE Limited, National Stock Exchange of India Limited, 1st Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai – 400001 Mumbai -400051 Scrip Code: 540065 Scrip Name: RBLBANK Reg: Disclosure under relevant provisions of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, as amended (“SEBI Listing Regulations”) Further to our submission i.e. Outcome of Board Meeting dated July 17, 2026, please find enclosed the following: 1. Press Release on the unaudited standalone financial results of the Bank for the quarter ended June 30, 2026. 2. Investor Presentation for the quarter ended June 30, 2026. In compliance with Regulation 46(2) of SEBI Listing Regulations, the information is being hosted on the Bank's Website at https://www.rbl.bank.in/. Further, pursuant to Regulation 30 and 46(2) of the SEBI Listing Regulations, the audio recording and transcript of the earnings call with analysts and investors to be held on July 17, 2026 on the unaudited financial results of the Bank for the quarter ended June 30, 2026, shall also be made available on the website of the Bank at https://www.rbl.bank.in/. Kindly take the same on record. Thanking you, Yours faithfully, For RBL Bank Limited Niti Arya Company Secretary Encl: As above www.rbl.bank.in RBL Bank Limited Controlling Office: One World Center, Tower 2B, 6th Floor, 841 Senapati Bapat Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India I Tel:+91 22 43020600 Registered Office: 1st Lane, Shahupuri, Kolhapur - 416001, India I Tel.: +91 231 6650214 CIN: L65191PN1943PLC007308 . E-mail: customercare@rbl.bank.in Investor Presentation Quarter Ended June 30,2026 July 17,2026 Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the “Company”) for use in presentations by the Company at analyst and investor meetings and does not constitute a recommendation regarding the securities of the Company. No representation or warranty, express or implied, is made as to, and no reliance should be placed on, the fairness, accuracy, completeness or correctness of the information, or opinions contained herein. Neither the Company nor any of its advisors or representatives shall have any responsibility or liability whatsoever (for negligence or otherwise) for any loss howsoever arising from any use of this presentation or its contents or otherwise arising in connection with this presentation. The information set out herein may be subject to updating, completion, revision, verification and amendment and such information may change materially. Neither the Company nor any of its advisors or representatives is under any obligation to update or keep current the information contained herein. The information communicated in this presentation contains certain statements that are or may be forward looking. These statements typically contain words such as "will", "expects" and "anticipates" and words of similar import. By their nature forward looking statements involve risk and uncertainty because they relate to events and depend on circumstances that will occur in the future. Any investment in securities issued by the Company will also involve certain risks. There may be additional material risks that are currently not considered to be material or of which the Company and its advisors or representatives are unaware. Against the background of these uncertainties, readers should not unduly rely on these forward-looking statements. The Company, its advisors and representatives assume no responsibility to update forward-looking statements or to adapt them to future events or developments. This presentation has been prepared for informational purposes only. This presentation does not constitute a prospectus under the (Indian) Companies Act, 1956 and will not be registered with any registrar of companies. Furthermore, this presentation is not and should not be construed as an offer or a solicitation of an offer to buy securities for sale in the India. This presentation and the information contained herein does not constitute or form part of any offer for sale or subscription of or solicitation or invitation of any offer to buy or subscribe for any securities of the Company, nor should it or any part of it form the basis of, or be relied on in connection with, any contract or commitment whatsoever. The securities of the Company have not been and will not be registered under the U.S. Securities Act of 1933, as amended (the "Securities Act"), and may not be offered, sold or delivered within the United States or to U.S. persons absent from registration under or an applicable exemption from the registration requirements of the United States securities laws. This presentation and the information contained herein is being furnished to you solely for your information and may not be reproduced or redistributed to any other person, in whole or in part. In particular, neither the information contained in this presentation, nor any copy hereof may be, directly or indirectly, taken or transmitted into or distributed in the U.S., Canada, Australia, Japan or any other jurisdiction which prohibits the same except in compliance with applicable securities laws. Any failure to comply with this restriction may constitute a violation of the United States or other national securities laws. No money, securities or other consideration is being solicited, and, if sent in response to this presentation or the information contained herein, will not be accepted. Transaction Update • Emirates NBD Bank (P.J.S.C) [ENBD] infused approximately USD 2.75 billion (~INR 260 billion) to acquire 92,91,34,820 shares of RBL Bank at a price of Rs. 280 on 18 June 2026 by way of a preferential issue on a private placement basis • Emirates NBD bank (P.J.S.C) holds 60% of the expanded share capital of RBL Bank Ltd. • Emirates NBD Bank (P.J.S.C) has been classified as a promoter of the Bank • RBL Bank provides ENBD with a scalable platform in India, offering significant cross-border synergies • 5 Non-Executive Non-Independent Directors have been appointed on the Board of RBL Bank as Nominees of ENBD • The Amalgamation of the three branches of ENBD operating in India into RBL Bank is awaiting final approvals from authorities Overview of Emirates NBD UAE’s most profitable Bank, Emirates NBD is a leading banking group in the MENAT (Middle East, North Africa and Türkiye) region with a presence in 13 countries, serving 10+ million active customers Listed on the Dubai Financial Market with a market capitalization of ~USD 54 billion Leader in digital banking: largest digital lifestyle bank in the GCC region; Leading regional bank for ESG with the highest ESG rating by S&P Global; Long term credit rating of A1 from Moody’s and A+ from Fitch Total Assets* Net Profit (1st Qtr of 2026) Net Profit (Full Year 2025) ~USD 331 billion ~USD 1.7 billion ~USD 6.5 billion *As of 31st March 2026 Key Highlights • Net Profit at Rs.2.54 bn for Q1 FY27 Operating • Net Interest Income (NII) for Q1 FY27 grew 12% YoY to Rs.16.54 bn; NIM was 4.13% Performance • Core Fee Income for Q1 FY27 grew 16% YoY to Rs.9.23 bn • Operating Profit for Q1 FY27 grew 31% YoY to Rs.9.23 bn Healthy Loan • Advances grew by 23% YoY to Rs.1,162.23 bn; Retail:Wholesale mix was 55:45 • Secured Retail Advances constitute 57% of Total Retail Advances Growth • Wholesale advances grew by 38% YoY to Rs.520.27 bn; Retail advances grew 13% to Rs.641.96 bn • Overall Average Deposits grew by 24% YoY to Rs.1,293.62 bn; Average CASA Deposits grew 11% YoY at Rs.325.92 bn; Average CASA ratio at 25.2% Healthy Deposits • Average Granular Deposits (less than Rs. 30 mn) grew by 14% YoY to Rs.643.21 bn; Average Granular TD (less than Rs. Growth 30 mn) gr [Showing first 8,000 characters — download PDF for full document]