Investor Presentation

October 12, 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 October 12, 2026, please find enclosed the following: 1. Press Release on the unaudited standalone financial results of the Bank for the quarter and half year ended September 30, 2026. 2. Investor Presentation for the quarter and half year ended September 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 October 12, 2026 on the unaudited financial results of the Bank for the quarter and half year ended September 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 Sept 30,2026 Oct 12, 2026 (Subsidiary of Emirates NBD Bank P.J.S.C) 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. Key Highlights – Q2 FY27 • Net Interest Income (NII) grew 37% YoY to Rs.21.31 bn; NIM was 4.61% Operating • Core Fee Income grew 12% YoY to Rs.10.40 bn Performance • Operating Profit grew 92% YoY to Rs.13.96 bn • Net Profit grew 170% YoY to Rs.4.82 bn • Net Advances grew by 42% YoY to Rs.1,423.14 bn; Healthy Loan • Wholesale advances grew by 56% YoY to Rs.628.49 bn Growth • Retail advances grew 32% to Rs.794.65 bn; Secured Retail Advances constitute 65% of Total Retail Advances • Retail : Wholesale mix was 56:44 • Deposits grew 34% YoY; excl. FCNR growth was 6% YoY Healthy Deposits • Overall Average Deposits grew by 24% YoY to Rs.1,352.14 bn; Average CASA Deposits grew 5% YoY at Rs.325.04 bn Growth • Average CASA ratio at 24.04% Healthy Capital • Capital adequacy ratio & CET-1 including Q2FY27 profits as of 30th Sep 2026 was 30.1% & 29.0% vs 33.3% & 32.2% as of 30th June 2026 Position • GNPA down 131 bps YoY at 1.02%, NNPA at 0.29% Stable Asset • PCR at 71.47%; PCR incl. Technical Write-off at 95.31% Quality • Credit cost for Q2 FY27 was 63 bps including std asset provision of 11 bps Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 21,309 10,774 32,083 10,396 9,594 16,544 9,327 15,507 9,264 9,233 26,139 24,834 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Operating Expenses PPOP/PAT Cost-Income Ratio RoA/RoE 18,122 13,961 17,550 16,911 70.7% 4.44% 4.43% 64.7% 4.01% 56.5% 9,228 7,284 4,818 0.92% 1,785 2,537 0.48% 0.57% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 PPOP PAT ROA ROE All numbers in Rs. mn 4 Financial Performance Summary Credit Cost (bps) GNPA/ NNPA Slippages PCR 54 54 63 2.32% 0.98% 75.92% 0.83% 0.77% 0.77% 1.30% 0.69% 51 0.64% 1.02% 72.00% 52 71.47% 0.57% 0.37% 0.29% 2 1 3 -0 2 -1 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 -2 Q1FY27 Q2FY27 GNPA NNPA Gross Slippages Net Slippages Unsecured Retail Wholesale Secured Retail Standard/ Contingency Provision Net Interest Margin % Yield on Advances % Cost of Funds/ Deposits % Capital Adequacy RWA 11 [Showing first 8,000 characters — download PDF for full document]