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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 October 21, 2023. 2. These results for the quarter and half year ended September 30, 2023 & September 30, 2022 and for the quarter ended June 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 2023-04-01 2023-09-30 Unaudited Consolidated 46996200000.00 10191900000.00 627100000.00 816400000.00 58631600000.00 14067800000.00 72699400000.00 29660600000.00 8897000000.00 19643900000.00 28540900000.00 58201500000.00 14497900000.00 9065400000.00 0.00 5432500000.00 -1073200000.00 6505700000.00 0.00 6505700000.00 0.00 0.00 6505700000.00 6013600000.00 10.00 0.00 0.00 0.00 10.84 10.72 10.84 10.72 0.00 0.00 0.00 0.00 0.00 Advertisement and publicity 112600000.00 Auditors' fees and expenses 5300000.00 Depreciation on Bank's property 548000000.00 Director’s fees Allowances and expenses 21500000.00 Law Charges 59800000.00 Others 7380300000.00 Postage, Telegrams, Telephones, etc. 124300000.00 Printing and stationery 88600000.00 Rent, taxes and lighting 704600000.00 Repairs and maintenance 569600000.00 Advertisement and publicity 319000000.00 Auditors' fees and expenses 10200000.00 Depreciation on Bank's property 1134600000.00 Director’s fees Allowances and expenses 28100000.00 Law Charges 134200000.00 Others 14950000000.00 Postage, Telegrams, Telephones, etc. 253900000.00 Printing and stationery 169000000.00 Rent, taxes and lighting 1366600000.00 Repairs and maintenance 1278300000.00 6013600000.00 135379000000.00 897303400000.00 153022500000.00 49358900000.00 1241077400000.00 80358900000.00 12909000000.00 294981600000.00 763242200000.00 5938800000.00 83646900000.00 1241077400000.00 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. 7.During the quarter ended September 30, 2023, the Bank on a prudent basis has made an additional contingency provision of `251.99 crore amounting to 1% of the micro banking and credit card portfolio. 8.During the quarter ended September 30, 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. 9.During the quarter and half year ended September 30, 2023, the Bank allotted 1,723,108 and 1,791,578 shares respectively pursuant to the exercise of stock options under its Employees Stock Option Scheme. 10.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. 11.Previous period / year figures have been regrouped / reclassified, where necessary to conform to current period classification. Capital and Reserves 0.00 Corporate / Wholesale Banking 14164800000.00 Other Banking Operations 432000000.00 Retail Banking 32928800000.00 Treasury 19309100000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 27449900000.00 Other Banking Operations 609500000.00 Retail Banking 64390900000.00 Treasury 38205000000.00 66834700000.00 130655300000.00 29629000000.00 57955900000.00 37205700000.00 72699400000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 1249600000.00 Other Banking Operations 432000000.00 Retail Banking -846500000.00 Treasury 412100000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 1798900000.00 Other Banking Operations 609700000.00 Retail Banking 1442900000.00 Treasury 1577700000.00 1247200000.00 5429200000.00 0.00 0.00 -3000000.00 -3300000.00 1250200000.00 5432500000.00 Capital and Reserves 0.00 Corporate / Wholesale Banking 361794100000.00 Other Banking Operations 174900000.00 Retail Banking 416368900000.00 Treasury 439888900000.00 1218226800000.00 22850600000.00 22850600000.00 1241077400000.00 Capital and Reserves 141392600000.00 Corporate / Wholesale Banking 374337200000.00 Other Banking Operations 25300000.00 Retail Banking 523687200000.00 Treasury 201624100000.00 1241066400000.00 11000000.00 11000000.00 1241077400000.00 0.00 1134700000.00 0.00 0.00 0.00 0.00 -1800000.00 0.00 11368100000.00 0.00 12501000000.00 0.00 0.00 -81194900000.00 0.00 54518700000.00 0.00 -26676200000.00 -14175200000.00 -8742700000.00 0.00 0.00 0.00 1632700000.00 0.00 -10375400000.00 0.00 0.00 -10375400000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 36700000.00 1123500000.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -1086800000.00 0.00 0.00 -1086800000.00 238300000.00 0.00 0.00 19705000000.00 0.00 900300000.00 0.00 0.00 0.00 19043000000.00 0.00 0.00 19043000000.00 7580800000.00 0.00 7580800000.00 85220400000.00 92801200000.00