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The above financial results have been prepared in accordance with the principle set out in Accounting Standard 21 - Consolidated Financial Statements as prescribed by The Institute of Chartered Accountants of India. These financial results are reviewed by the Audit Committee and subsequently approved by the Board of Directors of the Bank at its meeting held at Mumbai on January 19, 2024. 2. These results for the quarter and nine months ended December 31, 2023 & December 31, 2022 and for the quarter ended September 30, 2023 have been subjected to a “Limited Review” by the joint statutory auditors - CNK & Associates LLP, Chartered Accountants and G.M. Kapadia & Co., Chartered Accountants who have issued an unmodified report thereon. The financial results for the year ended March 31, 2023 were audited by the joint statutory auditors (CNK & Associates LLP, Chartered Accountants and G.M. Kapadia & Co., Chartered Accountants) on which they had issued an unmodified opinion. 3. The Bank has applied its significant accounting policies, in the preparation of these financial results, consistent with those followed in the annual financial statements for the year ended March 31, 2023. Any circular / direction issued by the RBI is implemented prospectively when it becomes applicable, unless specifically required under those circulars/ directions. In respect of loan servicing fees to business correspondents for services rendered towards sourcing and servicing of loans and other related activities, the Bank upto June 30, 2023 hitherto netted off such fees from “Interest/discount on advances/bills” - para 1(a) in the profit and loss account. For better disclosure, during the quarter and half year ended September 30, 2023, the Bank has changed this presentation and accordingly reclassified such expenses under “Other Operating Expenses” - para 5(ii) in the profit and loss account. Accordingly, such fees for the corresponding periods have been re classified. 4. The consolidated financial results of the group comprise the financial results of RBL Bank Limited and its wholly owned subsidiary RBL Finserve Limited (RFL). 5. During the quarter ended December 31, 2023, the Bank has made a contingent provision of `115.37 crore in respect of Alternate Investment Funds (AIFs) pursuant to the RBI circular dated December 19, 2023. Excluding the impact of this contingent provision, Profit Before Tax (PBT) for the quarter ended December 31, 2023 would have been `434.93 crore, Profit After Tax (PAT) for the quarter ended December 31, 2023 would have been `331.22 crore. 6. During the quarter and nine months ended December 31, 2023, the Bank on a prudent basis has made an additional contingency provision of `9.63 crore and `261.62 crore respectively amounting to 1% of the micro banking, personal loans and credit card portfolio. 7. Other Income includes commission income from non-fund based banking activities, fees, earnings from foreign exchange and derivative transactions, and profit and loss (including revaluation) from investments. 8. The financial results are arrived after considering provision for standard assets including requirements for exposures to entities with Un-hedged Foreign Currency Exposures, Non-Performing Assets (NPAs), and provision on investments, income-tax and other necessary provisions. 9. During the nine months ended December 31, 2023, the Bank received income tax orders relating to matter under appeal resulting in write-back of tax provision for earlier years of `222.92 crore. 2023-04-01 2023-12-31 Unaudited Consolidated 72984000000.00 15206500000.00 1036200000.00 1319500000.00 90546200000.00 21841400000.00 112387600000.00 46109600000.00 13784500000.00 30218600000.00 44003100000.00 90112700000.00 22274900000.00 13646800000.00 0.00 8628100000.00 -326500000.00 8954600000.00 0.00 8954600000.00 0.00 0.00 8954600000.00 6026200000.00 10.00 0.00 0.00 0.00 14.91 14.65 14.91 14.65 0.00 0.00 0.00 0.00 0.00 Advertisement and publicity 77900000.00 Auditors' fees and expenses 4500000.00 Depreciation on Bank's property 594700000.00 Director’s fees Allowances and expenses 5500000.00 Law Charges 60700000.00 Others 8692200000.00 Postage, Telegrams, Telephones, etc. 168900000.00 Printing and stationery 73200000.00 Rent, taxes and lighting 695800000.00 Repairs and maintenance 201300000.00 Advertisement and publicity 396800000.00 Auditors' fees and expenses 14800000.00 Depreciation on Bank's property 1729300000.00 Director’s fees Allowances and expenses 33600000.00 Law Charges 194900000.00 Others 23642000000.00 Postage, Telegrams, Telephones, etc. 422800000.00 Printing and stationery 242300000.00 Rent, taxes and lighting 2062500000.00 Repairs and maintenance 1479600000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 14959400000.00 Other Banking Operations 536900000.00 Retail Banking 35296700000.00 Treasury 20646700000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 42409300000.00 Other Banking Operations 1146400000.00 Retail Banking 99687600000.00 Treasury 58851700000.00 71439700000.00 202095000000.00 31751500000.00 89707400000.00 39688200000.00 112387600000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 1226800000.00 Other Banking Operations 536900000.00 Retail Banking 2054600000.00 Treasury -623400000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 3025700000.00 Other Banking Operations 1146600000.00 Retail Banking 3497500000.00 Treasury 954300000.00 3194900000.00 8624100000.00 0.00 0.00 -700000.00 -4000000.00 3195600000.00 8628100000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 369398200000.00 Other Banking Operations 218900000.00 Retail Banking 449774900000.00 Treasury 426194100000.00 1245586100000.00 25569700000.00 25569700000.00 1271155800000.00 Capital and Reserves 144204900000.00 Corporate / Wholesale Banking 389524100000.00 Other Banking Operations 33700000.00 Retail Banking 563102100000.00 Treasury 174249600000.00 1271114400000.00 41400000.00 41400000.00 1271155800000.00 10. During the quarter and nine months ended December 31, 2023, the Bank allotted 1,262,621 and 3,054,199 shares respectively pursuant to the exercise of stock options under its Employees Stock Option Scheme. 11. The business operations of the Group are largely concentrated in India and for the purpose of segment reporting, the Group is considered to operate only in domestic segment. 12. Previous period / year figures have been regrouped / reclassified, where necessary to conform to current period classification.