Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Investor Presentation (August 2023)
88 slides from Rbl Bank's investor presentation, August 2023
Slide 1: Retail Deep Dive
Retail Deep Dive AUGUST 2023
Slide 2: Safe Harbor
Safe Harbor 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
Slide 3: Setting The Context
Setting The Context 01
Slide 4: A Reflection of the Journey so Far..
A Reflection of the Journey so Far.. FY 11 to 19 FY 19-22 FY 23 FY 24-26 • Initially Wholesale led, which • Stress in select wholesale and • Year of consolidation focused on • Shift from Product Focus Key events funded expansion into new thereafter COVID induced stress setting the platform right app
Slide 5: ..And Our Aspirational Leap..
..And Our Aspirational Leap.. FY 23 FY 26 NNPA 1.10% Asset quality stress fully absorbed 20%+ CAGR in Building on existing “Core” Businesses PCR 69% advances and building scale in nascent verticals CRAR 16.9 60-65% Focus on branch driven asset growth- Well capitalized to fund growth Retail mix LCR :
Slide 6: Our Vision For FY26
Our Vision For FY26 New products & ..enabled by a setup to channels driving deliver personalized and Embedded diversifcation of Analytics convenient customer Differentiated business.. Differentiated Repurposed product approach Service delivery experience engine.. product approach Strategy Economic M
Slide 7: ..Driving Momentum in Execution
..Driving Momentum in Execution Setting the stage for an expanding growth horizon to FY 26 1.4-1.5% RoA/ 20%+ CAGR 13-15% RoE 30% 50%+ ~2600 Advances & Deposits ROA/ROE Share of new business Granular Deposits Touchpoints Operating model alive to changing market needs and digital growth drivers Vehic
Slide 8: Our Key Priorities In This Journey
Our Key Priorities In This Journey Retail Focus Across assets and liabilities to drive Scale with sustainability customer acquisition. Large scale Build robustness in our investments in people, process and portfolio structure with technology to help drive operating each business contributing leverag
Slide 9: Our Key Priorities In This Journey
Our Key Priorities In This Journey Operating Product to 1 Leverage 7 Customer Shift Digital 2 Readiness 8 Brand Recall People 3 Capability 9 ESG Focus Process 4 Efficiencies 10 Data Driven Decisioning IT system 5 stability and Compliance resilience 11 Culture Attracting Organisation 6 Talent 12 Resi
Slide 10: Cross sell potential
Cross sell potential Overall Off us Retail loans (Vol, Size) Existing Opportunity Existing Customer Universe Layer HL – 0.3 Mn ,100K Cr 2 W – 0.2 Mn , 50K Cr 1.8 Mn 4.5 Mn Card 3.5 Mn 7 mn LAP -0.1 Mn,50K Cr PL – 1Mn , 35K Cr Liability MFI Partner Customers GL – 0.2 Mn , 6K Cr Education -0.03Mn , 3K
Slide 11: Bridge To Achieving Our Financial Goals
Bridge To Achieving Our Financial Goals Pre- Tax Return on Assets Bridge ( As % of Total Assets of the Bank) 2.0% Retail turns 1.6% 0.3% 1.5% profitable setting stage for next 1.1% phase of Operating leverage expansion.. improving in wholesale, cards and MFI expanding 2.1% Breakeven in 2.1% 2.1% ret
Slide 12: Our Credit Card Business
Our Credit Card Business 02
Slide 13: GDP Trends and Macro Environment in India
GDP Trends and Macro Environment in India GDP growth rate GDP ($ Trillion) 5.37 4.95 4.55 4.17 3.82 8.7% 3.47 6.8% 6.5% 6.8% 6.1% 6.8% 6.8% 6.5% 6.2% 3.18 2.65 2.70 2.83 2.67 3.7% 2017 2018 2019 2020 2021 2022 2023* 2024* 2025* 2026* 2027* -6.6% 2017 2018 2019 2020 2021 2022 2023* 2024* 2025* 2026*
Slide 14: Socio-Economic Trends in India
Socio-Economic Trends in India India’s Population Age Distribution ITR filed 0-14 15-64 65+ Population Urban Population 7.3 7.0 7.1 5% 5% 5% 5% 6% 6% 6% 6% 6% 7% 7% 6.7 6.7 145 150 131 138 5.3 115 123 106 4.3 64% 65% 65% 65% 66% 66% 66% 67% 67% 67% 68% 3.4 3.0 54 61 2.1 38 43 48 1.6 29 33 31% 30% 30
Slide 15: Emerging Indian Consumer Themes
Emerging Indian Consumer Themes 1 2 3 4 5 Economic optimism has Out-of-home activities Digital and omnichannel Loyalty shake-up Scrimping and splurging almost remained are back for in-store are growing; relevance continues; perceived in light of disruptions constant despite and social experience pre
Slide 16: Key Consumer Trends – Google Search
Key Consumer Trends – Google Search People are choosing to act now, not later Retail + 215% The convenience of online shopping remains a priority for shoppers who’ve embraced digital-first lifestyles, but we’re also seeing new developments. Alongside continued growth in search interest in “same day
Slide 17: Key Consumer Trends – Google Search
Key Consumer Trends – Google Search People are building their identities in the digital realm Retail + 15% Shoppers are forming their identities in the digital world through virtual shopping experiences, including those where they create augmented reality avatars to try on various kinds of products,
Slide 18: Digital Payment Growth Drivers
Digital Payment Growth Drivers Regulatory Initiatives • The Payments Infrastructure Development Fund (PIDF) has been Entry Of New Players created to boost the growth of acquiring infrastructure • The digital payment space is attracting big techs and • Guidelines have been issued on offline payments,
Slide 19: Digital Payment Trends
Digital Payment Trends Growth of UPI 327 Other Key Trends UPI has had a tremendous impact on the Indian In INR trillion payments landscape. Simple mobile-based 255 accessibility, ease of use and changes in consumer • BBPS – It has contributed substantially to the overall behaviour due to the pandemi
Slide 20: Industry Trends – Disruptions / Fintech / Threats
Industry Trends ……………………. Disruptions / Fintech / Threats CARDS SLICE UNI ICICI/AMAZON AXIS/FLIPKART Tapping the Untapped Product BNPL BNPL Credit Card Credit Card Empowering and elevating the ‘early’ with focus on the ‘young 1 millennial’ segment who could be a student/NTC/thin files- Type profiles
Slide 21: Competitive Space – Multiple Evolving Consumer Needs
Competitive Space ………..Multiple Evolving Consumer Needs Multiple Consumer Needs Category Competition Easy Credit Device Rewards & Payments Discounts Credit Card New Entrants Credit Online & History International Builder Acceptance Expanding Enhances Lifestyle Affordability 21
Slide 22: Lending Trends - Consumer Loan Funnel
Lending Trends - Consumer Loan Funnel Products Demand Share Disbursal Share Acceptance Rate Personal Loan 31% 50% 82% Consumer Loan 25% 27% 57% Credit Card 27% 13% 25% Home Loan 3% 2% 26% Auto Loan 4% 2% 22% 2W Loan 4% 4% 51% Business Loan 4% 2% 22% CV Loans 1% 1% 39% Total 38,39,79,721 19,87,52,064
Slide 23: Lending Trends - Segment Demand
Lending Trends - Segment Demand Products NTC 501-600 601-730 731-760 761-780 780+ Personal Loan 14% 3% 40% 28% 11% 4% Consumer Loan 20% 3% 36% 27% 10% 3% Credit Card 11% 2% 32% 31% 16% 7% Home Loan 20% 1% 24% 23% 18% 15% Auto Loan 17% 2% 35% 24% 14% 9% 2W Loan 31% 4% 34% 19% 8% 3% Business Loan 15%
Slide 24: Lending Trends - Segment Disbursal
Lending Trends - Segment Disbursal Products NTC 501-600 601-730 731-760 761-780 780+ Personal Loan 5% 1% 43% 36% 12% 4% Consumer Loan 13% 1% 24% 35% 21% 6% Credit Card 10% 0% 18% 34% 25% 13% Home Loan 9% 0% 20% 26% 22% 22% Auto Loan 9% 1% 29% 28% 19% 14% 2W Loan 28% 2% 30% 24% 11% 4% Business Loan 7
Slide 25: Lending Trends - Portfolio Distribution
Lending Trends - Portfolio Distribution Products % Trades NTC 501-600 601-730 731-760 761-780 780+ Personal Loan 28% 0.04% 4% 43% 27% 18% 8% Consumer Loan 15% 0.26% 2% 30% 34% 26% 9% Credit Card 31% 0.11% 1% 22% 23% 26% 28% Home Loan 7% 0.06% 3% 24% 21% 26% 26% Auto Loan 5% 0.04% 2% 34% 29% 22% 13%
Slide 26: Credit Card Industry Share & Growth Trends – Jun'23
Credit Card Industry Share & Growth Trends – Jun’23 Cards (#) Spends (INR) Advances (INR) Others, 15% ICICI, 17% AXIS, 12% ICICI, 19% AXIS, 17% ICICI, 17% KOTAK, AXIS, 14% 5% Others, 12% SBI, 18% RBL, 9% Kotak, 6% SBI, 21% SBI, 20% IndusInd, 5% INDUSIND, RBL, 5% RBL, 4% 4% IndusInd, 3% HDFC, 28% Kot
Slide 27: Emerging Credit Card Industry Trends
Emerging Industry Trends UPI ON CREDIT CARD UPI on RuPay Credit card has been launched. It will increase the ease on QR transactions on credit Card, which further will increase market penetration for low ticket transactions TECHNOLOGY ENABLERS Technology partners are improving technology stack acros
Slide 28: Our Journey So Far
Our Journey So Far 2018-2019 1 Lorem Ipsum • Focus on scaling sourcing and Acquisition • Core system migration from HP to Fiserv Lorem ipsum dolor sit amet, • RBL Mycard App 1.0 launch consectetur adipiscing elit, sed do • CRMNEXT launch • 1 Million customers – July’18 2 eiusmod tempor incididunt ut
Slide 29: Customer Engagement
Customer Engagement Instant Transparent Convenient Relevant Engagement Exclusive offers Superior Loyalty Customer Service Drive spends with Build stickiness with merchant deals & reward programs exclusive offers EMI facility ement Loy alty Merchant deals gag En Ongoing Relationship Activation Cross-
Slide 30: Digital Convergence
Digital Convergence • Organic lead flow through digital channels • Automated decisioning Acquisition • Instant on-boarding • View and service account related • Collect dues digitally details digitally • Digital SI setup Account • Card controls with user on handy • Ready reckoners for Collections Man
Slide 31: Relative Strengths (1/2)
Relative Strengths (1/2) 2014 - 2017 2018 - 2019 2020 - 2021 > 2021 Brand Value Distribution Product Service Partnership Technology 31
Slide 32: Relative Strengths (2/2)
Relative Strengths (2/2) 2014 - 2017 2018 - 2019 2020 - 2021 > 2021 Collection Customer engagement Digital servicing Risk Audit & Governance 32
Slide 33: Credit Card Journey so far
Credit Card Journey so far New Cards (‘000s) AIF (‘000s) Portfolio Size (Cr) 4433 16,852 2,088 3,789 13,604 12,625 1,581 2,980 1,451 10,637 2,664 1,128 979 1,666 605 5,313 760 2,254 160 244 809 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY17 FY18 FY19 FY20 FY21 FY22 FY23 FY17 FY18 FY19 FY20 FY21 FY22 FY23 S
Slide 34: Portfolio Texture – Geography Mix
Portfolio Texture – Geography Mix AIF Mix Advances Mix Maharashtra 16% Maharashtra 15% Telangana 11% Telangana 15% Gujrat 8% Tamil Nadu 10% Delhi 8% Delhi 9% Tamil Nadu 8% Karnataka 8% Karnataka 7% Gujrat 7% uttar Pradesh 6% Andhra Pradesh 6% Andhra Pradesh 6% uttar Pradesh 6% Haryana 4% Haryana 4%
Slide 35: Industry vs RBL Performance
Industry vs RBL Performance 6MOB $30+ Rates – Originations (Credit Cards) Co-incidental $90+ Rates (excluding 180+) Oct’21 Nov’21 Dec’21 Jan’22 Feb’22 Mar’22 Apr’22 May’22 Jun’22 Jul’22 Aug’22 Sep’22 Sep’21 Sep’22 Mar’23 Industry 2.4% 2.6% 3.0% 3.2% 3.5% 4.0% 4.0% 4.5% 5.2% 5.5% 5.2% 5.3% Industry 2
Slide 36: Business Segments
Business Segments New to Credit Prime Credit Digital Savings A/C BNPL Credit Card Personal Loan • Offer to everyone who • ACQUISITION FUNNEL CREATOR CORE PRODUCT PROGRAM MORE REVENUE PER CUSTOMER applies for a lending product (co-origination) • Onboard customers with low limits / checkout • Muti-cha
Slide 37: Customer Personas & Segmentation
Customer Personas & Segmentation ENTRY STAGE/MILLENIAL MASS/MASS AFFLUENT NICHE PREMIUM “Match my vibe” “Dream Big but “Every penny “Time is start Small” counts” everything” Kavya Sen Jay Singh Anirudh R | 25, Bangalore Rahul Gupta | 35, Agra 38, Udaipur 42, Delhi Rajeev Malhotra | 50, Mumbai Analys
Slide 38: Business Segment | Where we will Play (1/2)
Business Segment | Where we will Play (1/2) PREMIUM MILLENIAL MASS/MASS AFFLUENT Persona: Premium/Affluent/HNI Persona: Entry Stage Millennial Persona: Mass/Mass-Affluent Segment Persona & Needs: Dedicated Assistance | Exclusivity | Wealth Needs: Pop-culture enthusiasts | Tech-Savvy | Instant Needs:
Slide 39: Business Segment | Where we will Play (2/2)
Business Segment | Where we will Play (2/2) NICHE: TRAVELLER FINTECH CONSUMER CO-BRAND PSU/NBFC/SMALL BANKS Persona: Traveller (Need-based) Persona : Entry Stage Millenial Persona : Mass/Mass Affluent Persona : Mass/Mass Affluent Segment Needs: Travel (Hotel/Flight) offers | Needs : Tech-Savvy | Val
Slide 40: Digital Convergence
Digital Convergence Acquisition Activation/Engagement Account Management Retention Servicing Collections • Seamless Application • Gamify and engage • Personalized Statements • Modelled personalized • Proactive • Varied Digital modes of Processing and complete redemption offers communications on paym
Slide 41: Segment-wise Technology Tailwinds Ahead (1/2)
Segment-wise Technology Tailwinds Ahead (1/2) PREMIUM MILLENIAL MASS/MASS AFFLUENT • Instant Online Application • Seamless application processing • Bulk Invite/Referral Campaign • Instant Online Application • Preapproved Applications • Digital Marketing • Ready app stack for application sourcing • I
Slide 42: Segment-wise Technology Tailwinds Ahead (2/2)
Segment-wise Technology Tailwinds Ahead (2/2) NICHE: TRAVELLER FINTECH CONSUMER CO-BRAND PSU/NBFC/SMALL BANKS • Instant Online Application • Partner Lead Generation App • Seamless Online Application • Historical Bureau Data API for • Open Banking: API for Online Application • Digital Marketing / OCR
Slide 43: Scale Update
Scale Update FY 2026 goals New Card Acquisitions ~ 90 lakhs Accounts in force ~83 lacs Equal to life to date 2X of life to date ❖ Sharper customer segmentation ❖ Deepening marketplace Advances at ~ INR 33,000 Cr engagement 2X of FY 23 ❖ Customer relevant offerings Customers at ~90 lakhs Spends at ~
Slide 44: Franchise for Cross-sell
Franchise for Cross-sell # Card Customers % Population Feb’23 AIF Cards Base ~40,00,000 100% 3+ MOB 35,00,000 89.1% At-least 2 full months of card engagement No off-us 30+ in last 6 months No Historical Delinquency (off-us) 31,00,000 79.8% (strong off-us payment behavior) CIBIL > 730 27,00,000 69.2%
Slide 45: Our Microfinance Business
Our Microfinance Business 03
Slide 46: Microfinance Distribution Network
Microfinance Distribution Network (1) (2) (43) 6 (39) STATES 23 States (82) 101 Active & UTs: (58) (26) 27.60 lakhs active (113) Clients: (2) loan clients 56 (50) 16 DISTRI 405 (39) (47) 86 6517 Cr as of (67) CT: 24 Portfolio: June’23; ~90% (83) through RFL 87 (14) RBL Finserve – 821 branches Villag
Slide 47: Performance Trend
Performance Trend Disbursement Vs. POS (FY 2024 – Disbursement 7132 achieved till Q1’FY24) 6,469 6517 ➢ Conscious slow down due external factors (COVID) 5963 during FY 21 – FY22. 5,038 4852 ➢ Ready to capitalize on current macro economic growth 3,574 phase ➢ Started FY24 with strong disbursement mom
Slide 48: Journey of MFI Business in RBL Bank
Journey of MFI Business in RBL Bank RBL Bank Started Onboarded 4 new RBL Finserve Pvt. Ltd. 100% AADHAAR Introduction to FIS JLG Business BC Partners Re-branding of based eKYC (New LMS) system for through direct (VAYA, TSPL, SWADHAAR, onboarding of JLG JLG business, branches Sonata, Saggraha) Januar
Slide 49: Process & Business Controls – Among The Best In Industry
Process & Business Controls – Among The Best In Industry KNOW YOUR CUSTOMER DISBURSEMENT • eKYC – Biometric customer authentication – No Ghost Customers • 100% loan disbursement in Bank Account • Secondary KYC - Strengthen Credit underwriting • Penny Drop validation & Name Match for 100% Bank • OTP
Slide 50: Risk Management
Risk Management ROBUST RISK CONTROLS Risk Appetite • Defined threshold of exposure at state, district, branch level; Thresholds • Inhouse developed scorecard for assessment of customer profile Microfinance PAR – RBL* vs Peer/Industry • Early Indicator of Stress identification through collection effi
Slide 51: Cross Sell Opportunities - Retail Loans to Microfinance customers
Cross Sell Opportunities - Retail Loans to Microfinance customers • 44% of sample households already have atleast 1 retail loan No. of Retail Loans • Of this, more than half have one of Business Loan, Vehicle Loan or Consumer Durable • BL/VL are a natural progression for a household No. of retail Bu
Slide 52: Large Distribution Network
Large Distribution Network Branch Network & Feet On Street • 1100+ BC Branches • 9000+ Feet on street Business Volume • ~3million customer base LEVERAGING THE MFI BRANCH • 2.5 million loan disbursement annually • ~ 1 million Hospicash insurance enrollment expected FY24 NETWORK – MULTI PRODUCT DISTRI
Slide 53: Identified Asset Products for Cross-Sell
Identified Asset Products for Cross-Sell Specialized Business Line – To focus and drive productivity Two-Wheeler loan Customer Base – Used Car Loan Rural Vehicle Loan Upsell to current customer base (household) as well as NTB Geographical Radius – Coverage of 40 to 50 km from existing premise Afford
Slide 54: Multiproduct – Customer Journey
Multiproduct – Customer Journey TWO-WHEELER/CAR RURAL VEHICLE FINANCE AFFORDABLE HOUSING MSME/GOLD Existing Customer New to Bank/Graduated Target Farming leads during Existng Existing++Graduated Graduated Segment Household + Village Customers/Existing center meetings Customers Customer Households Ec
Slide 55: Garnering Granular Deposits Through Digitized BC Channel
Liabilities Desk– Garnering Granular Deposits Through Digitized BC Channel Upgradation of existing Digital Account accounts – to premium opening for new account liability customer Offering products like RD, FD, to existing SA customers ETB NTB Product Offering SA, RD, FD Dedicated Customer App Futur
Slide 56: Our Growing Retail Assets Business
Our Growing Retail Assets Business 04
Slide 57: Retail Journey
Retail Journey Objective Approach Change Retail Strategy Credit Monitoring Collections 57
Slide 58: Retail Journey
Retail Journey Objective Approach Change Retail Strategy Credit Monitoring Collections 58
Slide 59: Customer Focus
Objectives Better • Leverage Existing Efficiency • Improved Revenue Customer per customer • Increase wallet share • Live the value of • Lower cost of of customer “Apno Ka Bank” acquisition • Target Multi Product • Higher ROA ownership for all customers Customer Better Focus Profitability 59
Slide 60: Approach change
Approach change Objective Approach change Retail Strategy Credit Monitoring Collections 60
Slide 61: Product Focus To Customer Focus
Product Focus To Customer Focus Increased Digital Focus on Physical Customer Acquisition Individual Acquisition Wallet Share Model Product Sale Model Customer Product Focus Focus Robust Customer Robust Customer Service Service Shift to customer wallet share focus to improve unit economics, customer
Slide 62: Salaried Customer – an illustration
Salaried Customer – an illustration Product Focus Approach Customer Focus Approach SA ➢ Customer applies for a Home ➢ Customer Applies for a Home Credit Card Loan Loan ➢ His application is processed and Personal Loan ➢ His application is processed and Home Loan is sanctioned TW / Car Loan ➢ He gets
Slide 63: Retail Strategy
Retail Strategy Objective Approach Change Retail Strategy Credit Monitoring Collections 63
Slide 64: Product focus areas..
Product focus areas.. • Business Loans including Working Capital • Home Loans • Rural Vehicle Finance Grow • Micro Finance • Credit Cards • Agri • Small / Micro business loans • Affordable Housing • Two Wheeler Loans New Launches • Used Car Loans • Gold Loan • Education Loan 64
Slide 65: Business Loans – Channels & Distribution
Business Loans – Channels & Distribution Sourcing Mix 1500+ branches Tier 3 & 4 5% 15% 15% markets 10% 24% 20% 35% 45% 50% 85% 76% 50% New 40% 30% Healthy Branch Zero Acquisitio Product CASA Sourcing n cost (Micro FY22 FY23 FY24 FY25 FY26 LAP) DSA Branch BC / Co-Lending Distribution Better Risk thro
Slide 66: Home Loans – Building Scale
Home Loans – Building Scale Sourcing Mix Book Growth 5% 8% 10% 15% 15% 21000 25% 30% 35% 45% 95% Grow Product Focus 67% 8000 60% 50% 40% 3156 Risk adjusted yield 1296 1924 Granular Loan Improved Higher customer FY21 FY22 FY23 FY24(P) FY26(P) profitability DSA/Connector Branch Co-Lending FY21 FY22 FY
Slide 67: Digital Shift
Digital Shift New Loan Origination System Use of Analytics for greater share of Customer Wallet Existing Customer Data Mobile Access to Paperless Front End Partners Journey Journey E-Sign, E- Nach, ITR, BRE based Internal Bank API Integrations Banking, GST, underwriting systems KYC Bureau Data CRM D
Slide 68: Rural Vehicle Finance - Journey
Rural Vehicle Finance - Journey FY 2021 FY 2023 FY 2026 RVF Journey Started Added 1 State and Will Cover 14 States with over FY24 in Dec’ 20 increased reach to ▪ Added 3 state along with reaching 545 700+ locations footprints 400+ locations FY 2026 28th Entrant into ▪ Target to achieve 4.5% market s
Slide 69: Success Story of RVF – STP Digital Process
Success Story of RVF – STP Digital Process FY26 ▪ Will be present in 14 states with 700+ Best in class TAT in RVF. Aim to replicate in other retail products. footprint ▪ Target to achieve 7% market share of New tractor covered industry TAT as a Value Proposition Sourcing Analytics ▪ Aim to reach top
Slide 70: Loan Against Gold – Using RBL/RFL Network to Grow
Loan Against Gold – Using RBL/RFL Network to Grow FY26 ▪ Will be present in 14 states with 700+ footprint 5% of 1 2 ▪ Target to achieve 7% market share of New Channels tractor covered industry LAGO advances by All RBL Branches Strategic Partners ▪ Aim to reach top 5 among all financiers ▪ Penetrate
Slide 71: Credit Monitoring
Credit Monitoring FY26 ▪ Will be present in 14 states with 700+ footprint Objective ▪ Target to achieve 7% market share of New tractor covered industry ▪ Aim to reach top 5 among all financiers ▪ Penetrate 35% used tractor contribution ▪ Will target to achieve 2X book growth Approach Change Retail S
Slide 72: Retail risk framework
Retail risk framework • Clearly defined threshold of risks are defined for each portfolio, segment, Risk Appetite geography; regular review and internal • Early Indicator of Stress identification Statement calibration of risk thresholds through - Bounce Rates, 6 MOB 30 plus, early mortality, 12 MOB
Slide 73: Credit Risk Monitoring
Credit monitoring framework Acquisition Monitoring to be focused on through the door acquisition quality (Policy parameters of the customer are monitored to align operating guidelines for that product). Disbursement Trends across customer segments, detection of early vintages delinquency/mortality a
Slide 74: Collections - Using Analytics as a Predictive Tool
Collections - Using Analytics as a Predictive Tool FY26 ▪ Will be present in 14 states with 700+ footprint Objective ▪ Target to achieve 7% market share of New tractor covered industry ▪ Aim to reach top 5 among all financiers ▪ Penetrate 35% used tractor contribution ▪ Will target to achieve 2X boo
Slide 75: Collection Analytics
Collection Analytics FY26 ▪ Will be present in 14 states with 700+ footprint ▪ Target to achieve 7% market share of New tractor covered industry ▪ Aim to reach top 5 among all financiers ▪ Penetrate 35% used tractor contribution ▪ Will target to achieve 2X book growth Right Channel to • Classify the
Slide 76: Impact of New Product Launches
Impact of New Product Launches FY23 FY26 Higher Profitability leading to Retail Disbursals 6000 cr 24000 cr 4x higher RoA Wider Increase in geographical Secured Loan Retail Book 12900 cr 40000 cr 3x footprint in Small/Micro LAP Book tier 3 & 4 cities Affordable HL Two-Wheeler Loan No of Products 8 1
Slide 77: Retail Liabilities Business
Retail Liabilities Business 05
Slide 78: Sustainable & Granular Growth..
Sustainable & Granular Growth… FY’2018 FY’2023 FY’2026 ~50% ~6L ~60% ~17L ~70% ~34L BBB Contribution to Customer BBB Contribution to Customer BBB Contribution to Customer Overall deposits Base of BBB Overall deposits Base of BBB Overall deposits Base of BBB 44% ~80 Crs. 52% ~100 Crs. 65% ~150 Crs. S
Slide 79: Deposit Playground (India vis-à-vis Our Branch Banking Footprint)
Deposit Playground (India vis-à-vis Our Branch Banking Footprint) *Map shows states with overall deposits as of June 2023 Branch Banking Sourced Deposits ~₹ 52,000 Crores 25 States & UTs 151 Districts 519 Branches Statewise Deposit Contribution Industry BBB RBL No of State Contribution Contribution
Slide 80: Expansion of RBL Bank's Distribution
Expansion of RBL Bank’s Distribution Deposit Density (FY’23) RBL Metro & Urban Branch Distribution Metro & 74% 88% Semi Urban 26% 12% Branch Vintage <6M 6 M to 1 Y 1 to 3 Y >3 Y Urban Industry RBL Bank & Rural Industry RBL Bank Metro & Urban 4% 4% 35% 57% Mar’18 Jun’23 Branch Deposits Branch Deposit
Slide 81: Branch Led Fee Income Growth – Metro / Urban Branches
Branch Led Fee Income Growth – Metro / Urban Branches OVERALL FEE INCOME 2X of FY’23 Hyper persona based targeting using Analytics Over All fee income 3X X 25% CAGR FY'18 FY'23 FY'26 Projections MONTHLY AVG. FEE INCOME PER BRANCH METRO & URBAN Rs. In Lakhs 3X of 3rd Year 20X 9X X 3X < 6 MONTHS 6 MON
Slide 82: Increased Focus Towards Customer Centricity –Managed Books
Increased Focus Towards Customer Centricity –Managed Books RBL Bank’s Preferred banking i.e segment program aims to provide a customized, consultative and personalized approach to each customer. 32% The segment program delivers a rich and elevated banking experience through its 3 segments i.e- Insig
Slide 83: High Impact areas..
High Impact areas.. NRI TASC Co-op Banks Diplomats India Startup Club USP: USP: USP: USP: USP: ֍ Competitive interest ֍ Structured Solutions ֍ CMS / API solutions ֍ Unique Segmented ֍ Proposition for Start on Savings & Fixed ֍ Payment gateway & ֍ Sub membership offering for Embassy Up Ecosystem Depo
Slide 84: Current account approach
Current account approach Catchment Specific Action Plans Enablers Fund Transfer- NEFT/RTGS/IMPS High Value Mobilizers Trade & Forex Services Working Capital Finance RERA, Capital Account Transactions, Religious Trusts, Companies under Liquidation, Share Application for Start ups., Law Firms/ Consult
Slide 85: Our Branch Offerings - From a liability franchise to a universal branch
Our Branch Offerings - From a liability franchise to a universal branch Gold Loan Deposit Building Home Loan / Loan against Property Insurance Education Loans Locker Business Loan Transaction Rural Vehicle Finance Used Car Loans Two-Wheeler Loans Service/ Redressal Credit Cards Investment Trade Fore
Slide 86: Get Started with Digital Banking – 3 step process
Get Started with Digital Banking – 3 step process Open Digital Account on your platform in 3 simple steps Scan QR code 1 Customer will be redirected to landing page to begin their journey Complete KYC 2 Post redirection, customer choose FD/ SA and provides Aadhar and PAN details along with personal
Slide 87: Digital Acquisition and Servicing
Digital Acquisition and Servicing Ways of Acquiring Mobile Banking MyCard Users 92% Android users Users Active 11.01L 38.65L 92% Conventional Banking • Segmented approach • Converting credit card transactions into EMIs • 60+ products & services • Collaboration with multiple vendors • 77% penetration
Slide 88: Thank You!
Thank You!