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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 April 27, 2024. 2. These results for the quarter and year ended March 31, 2024 & March 31, 2023 have been audited by the joint statutory auditors - CNK & Associates LLP, Chartered Accountants and G.M. Kapadia & Co., Chartered Accountants who have issued an unmodified audit report thereon. 3. The figures of the last quarter for the current year and for the previous year are the balancing figures between audited figures of the full financial year and the unaudited published year to date figures up to the third quarter of respective financial years. The figures up to the end of the third quarter were reviewed. 4. 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. 2023-04-01 2024-03-31 Audited Consolidated 99776600000.00 20340500000.00 1617700000.00 2203200000.00 123938000000.00 30599500000.00 154537500000.00 63500500000.00 18559200000.00 41206000000.00 59765200000.00 123265700000.00 31271800000.00 17784700000.00 0.00 13487100000.00 888200000.00 12598900000.00 0.00 12598900000.00 0.00 0.00 12598900000.00 6051000000.00 10.00 142318400000.00 0.00 0.00 0.00 20.94 20.54 20.94 20.54 0.00 0.00 0.00 0.00 0.00 Advertisement and publicity 98900000.00 Auditors' fees and expenses 8900000.00 Depreciation on Bank's property 615900000.00 Director’s fees Allowances and expenses 6600000.00 Law Charges 74800000.00 Others 8719700000.00 Postage, Telegrams, Telephones, etc. 227700000.00 Printing and stationery 85400000.00 Rent, taxes and lighting 726000000.00 Repairs and maintenance 423500000.00 Advertisement and publicity 495700000.00 Auditors' fees and expenses 23600000.00 Depreciation on Bank's property 2345200000.00 Director’s fees Allowances and expenses 40300000.00 Law Charges 269700000.00 Others 32361900000.00 Postage, Telegrams, Telephones, etc. 650400000.00 Printing and stationery 327600000.00 Rent, taxes and lighting 2788500000.00 Repairs and maintenance 1903100000.00 6051000000.00 142323400000.00 1034704400000.00 141852500000.00 59607900000.00 1384539200000.00 120708200000.00 23526000000.00 294777600000.00 839869100000.00 5579000000.00 100079300000.00 1384539200000.00 5. The Board of Directors at its meeting held on April 27, 2024, proposed a dividend of `1.50/- per share (face value of `10/- each) (previous year: `1.50/- per share), subject to approval of the members at the ensuing Annual General Meeting. Effect of the proposed dividend has been reckoned in determining capital funds in the computation of capital adequacy ratios as at March 31, 2024. 6. The consolidated financial results of the group comprise the financial results of RBL Bank Limited and its wholly owned subsidiary RBL Finserve Limited (RFL). 7. During the quarter and year ended March 31, 2024, the Bank on a prudent basis has made an additional contingency provision of `20.19 crore and `281.81 crore respectively amounting to 1% of the micro finance, personal loans and credit card portfolio. 8. 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. 9. 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. 10. During the quarter and year ended March 31, 2024, the Bank allotted 2,477,623 and 5,531,822 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. Capital and Reserves 0.00 Corporate / Wholesale Banking 15742000000.00 Other Banking Operations 964700000.00 Retail Banking 37194400000.00 Treasury 21882600000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 58151300000.00 Other Banking Operations 2111100000.00 Retail Banking 136882000000.00 Treasury 80734300000.00 75783700000.00 277878700000.00 33633800000.00 123341200000.00 42149900000.00 154537500000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 819500000.00 Other Banking Operations 964700000.00 Retail Banking 2527200000.00 Treasury 544100000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 3845200000.00 Other Banking Operations 2111300000.00 Retail Banking 6024700000.00 Treasury 1498400000.00 4855500000.00 13479600000.00 0.00 0.00 -3500000.00 -7500000.00 4859000000.00 13487100000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 381682000000.00 Other Banking Operations 345600000.00 Retail Banking 477009600000.00 Treasury 502709300000.00 1361746500000.00 22792700000.00 22792700000.00 1384539200000.00 Capital and Reserves 148374400000.00 Corporate / Wholesale Banking 450660500000.00 Other Banking Operations 62100000.00 Retail Banking 602353900000.00 Treasury 182987800000.00 1384438700000.00 100500000.00 100500000.00 1384539200000.00 Business Segments have been identified and reported taking into account the target customer profile, the nature of products and services, the differing risks and returns, the organisation structure, the internal business reporting structure, guidelines prescribed by the RBI and in accordance with the Accounting Standard 17 – “Segment Reporting”. *The Bank do not have any Digital Banking Units (DBUs) as mentioned in the RBI circular dated April 7, 2022. The disclosure in respect to sub-segment DBU within the Retail Banking Segment is hence nil for the periods pertaining to the current and previous financial year. 0.00 2345300000.00 0.00 0.00 0.00 0.00 -4800000.00 0.00 21878900000.00 0.00 24219400000.00 0.00 0.00 -188189900000.00 0.00 202007200000.00 0.00 13817300000.00 38036700000.00 51523800000.00 0.00 0.00 0.00 1974000000.00 0.00 49549800000.00 0.00 0.00 49549800000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 101800000.00 2036300000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1934500000.00 0.00 0.00 -1934500000.00 793200000.00 0.00 0.00 8535100000.00 0.00 900300000.00 0.00 0.00 0.00 8428000000.00 0.00 0.00 8428000000.00 56043300000.00 0.00 56043300000.00 85220400000.00 141263700000.00