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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 20, 2023.2.These results for the quarter and nine months ended December 31, 2022 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 review report thereon. The financial results for the quarter / nine months ended December 31, 2021 and for the year ended March 31, 2022 were reviewed / audited by joint statutory auditors (CNK & Associates LLP, Chartered Accountants and Haribhakti & Co. LLP, Chartered Accountants) on which they had issued an unmodified conclusion /opinion respectively.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, 2022, except for its stock-based employee compensation plan. W.e.f. April 1, 2022, the Bank has changed its accounting policy from intrinsic value method to Fair value method for valuation of stock options granted after March 31, 2021, to all employees. Hitherto, the Bank had covered only ‘Whole Time Directors/Chief Executive Officers/Material Risk Takers and Control Function Staff’ to comply with The Reserve Bank of India, clarification dated August 30, 2021, on guidelines on Compensation of Whole Time Directors/CEO/Material Risk Takers and Control Function Staff. The fair value of stock options is estimated on the date of grant using the Black-Scholes model and is recognised as employee expense over the vesting period. The change in the accounting policy results in recognition of additional ‘Employee Cost’ of ` 17.23 crore related to the earlier period.4.4. 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.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.6.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. 2022-12-31 Unaudited Consolidated 54598600000.00 11808600000.00 2256500000.00 669500000.00 69333200000.00 18231900000.00 87565100000.00 33935600000.00 12167400000.00 25282500000.00 37449900000.00 71385500000.00 16179600000.00 7872400000.00 0.00 8307200000.00 2097500000.00 6209700000.00 0.00 6209700000.00 0.00 0.00 6209700000.00 5995300000.00 10.00 0.00 0.00 0.00 10.36 10.34 10.36 10.34 0.00 0.00 0.00 0.00 0.00 Advertisement and publicity 240100000.00 Auditors' fees and expenses 7000000.00 Depreciation on Bank's property 556400000.00 Director’s fees Allowances and expenses 6000000.00 Law Charges 50300000.00 Other Expenditure 6600500000.00 Postage, Telegrams, Telephones, etc. 118000000.00 Printing and stationery 41400000.00 Rent, taxes and lighting 653000000.00 Repairs and maintenance 539800000.00 Advertisement and publicity 497300000.00 Auditors' fees and expenses 17400000.00 Depreciation on Bank's property 1561800000.00 Director’s fees Allowances and expenses 28300000.00 Law Charges 153700000.00 Other Expenditure 18921800000.00 Postage, Telegrams, Telephones, etc. 347600000.00 Printing and stationery 150200000.00 Rent, taxes and lighting 1976800000.00 Repairs and maintenance 1627600000.00 Capital and Reserves 0.00 Corporate/ Wholesale Banking 12813000000.00 Other Banking Operations 1206500000.00 Retail Banking 26205100000.00 Treasury 16466200000.00 Capital and Reserves 0.00 Corporate/ Wholesale Banking 33962400000.00 Other Banking Operations 3509200000.00 Retail Banking 73761200000.00 Treasury 46976100000.00 56690800000.00 158208900000.00 25774000000.00 70644400000.00 30916800000.00 87564500000.00 Capital and Reserves 0.00 Corporate/ Wholesale Banking 1018100000.00 Other Banking Operations 318600000.00 Retail Banking 1657500000.00 Treasury -92200000.00 Capital and Reserves 0.00 Corporate/ Wholesale Banking 2239400000.00 Other Banking Operations 526700000.00 Retail Banking 3975500000.00 Treasury 1566100000.00 2902000000.00 8307700000.00 0.00 0.00 -900000.00 500000.00 2902900000.00 8307200000.00 Capital and Reserves 0.00 Corporate/ Wholesale Banking 342247300000.00 Other Banking Operations -519200000.00 Retail Banking 338406900000.00 Treasury 390178500000.00 1070313500000.00 24707000000.00 24707000000.00 1095020500000.00 Capital and Reserves 132162200000.00 Corporate/ Wholesale Banking 357145400000.00 Other Banking Operations 302500000.00 Retail Banking 478864500000.00 Treasury 126531600000.00 1095006200000.00 14300000.00 14300000.00 1095020500000.00 7.Payment to business correspondents for service such as sourcing of loans, servicing from customers and other related services is netted off from interest earned (interest/discount on advances/bill).8.During the quarter and nine months ended December 31, 2022, the Bank allotted 11,100 and 15,300 shares respectively pursuant to the exercise of stock options under its Employees Stock Option Scheme.9.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.10. RBI Circular DOR.AUT.REC.12/22.01.001/2022-23 dated April 7, 2022, require ‘Digital Banking’ as a separate sub-segment under retail banking for the purpose of AS-17 Segment reporting. The proposed DBUs of the Bank have not commenced operations and having regard to the discussions of the DBU Working Group formed by Indian Banks' Association (IBA) (which included representatives of banks and RBI), reporting of Digital Banking as a separate sub-segment of Retail Banking Segment will be implemented by the Bank based on the decision of the DBU Working Group.11.Previous period / year figures have been regrouped / reclassified, where necessary to conform to current period / year classification.