RBL Bank announced its Q3 FY26 results, reporting a net profit of ₹214 crore. The results were impacted by one-off expenses of ₹32 crore due to revisions in wage definitions under the New Labour Codes. Advances grew by 14% YoY, while deposits increased by 12% YoY. The CASA ratio stood at 30.9%.
Financial Performance Overview
RBL Bank reported a net profit of ₹214 crore for Q3 FY26. This figure was impacted by one-off expenses of ₹32 crore (pre-tax) due to revisions in wage definitions under the New Labour Codes, effective November 21, 2025.
Key Financial Metrics
- Net Interest Income (NII): Grew 5% YoY to ₹1,657 crore; NIM was 4.63%.
- Core Fee Income: Increased 10% YoY to ₹959 crore.
- Operating profit: Grew 7% YoY and 25% QoQ to ₹912 crore (excluding impact of one-off income).
- Advances: Grew by 14% YoY and 3% QoQ to ₹103,086 crore.
- Retail Advances: Increased by 10% YoY and 1% QoQ to ₹60,611 crore.
- Wholesale Advances: Grew by 21% YoY and 5% QoQ to ₹42,475 crore.
- Deposits: Increased by 12% YoY and 3% QoQ to ₹119,721 crore.
- CASA Deposits: Grew by 6% YoY to ₹36,972 crore; CASA ratio at 30.9%.
Asset Quality
- GNPA: Down 104 bps YoY at 1.88%.
- NNPA: 2 bps higher YoY at 0.55%.
- PCR: At 71.09%.
- Credit cost: For Q3 FY26 was 64 bps.
Capital Adequacy
The capital adequacy ratio and CET-1, including 9M FY26 profits, as of December 31, 2025, were 14.94% and 13.45%, respectively.
Source: BSE
