RBL Bank announced its unaudited financial results for the quarter ended September 30, 2025. Advances crossed ₹1 lakh crore. Net profit was impacted by MTM of ₹44 crore. NII grew 5% QoQ to ₹1,551 crore, with NIM at 4.51%. Total deposits grew 8% YoY and 3% QoQ to ₹116,667 crore. Gross NPA decreased by 55 bps YoY to 2.32%.
Q2 FY26 Financial Highlights
RBL Bank reported its financial results for Q2 FY26, highlighting key performance indicators:
- Advances: Crossed ₹1 lakh crore during the quarter.
- Loan Book Growth: Loan Against Property book crossed ₹10,000 crore; Business Banking Loans crossed ₹2,000 crore.
- Net Profit: Recorded at ₹179 crore, impacted by MTM of ₹44 crore (pre-tax) on unlisted equities.
- Net Interest Income (NII): Increased by 5% QoQ to ₹1,551 crore; Net Interest Margin (NIM) at 4.51%.
- Core Fee Income: Grew by 17% QoQ to ₹926 crore.
- Operating Expenses: Decreased by 5% QoQ to ₹1,755 crore; Cost to Income ratio at 70.7%.
- Operating Profit: Increased by 4% QoQ to ₹728 crore.
Advances and Deposit Growth
The bank witnessed growth in both advances and deposits:
- Net Advances: Grew by 14% YoY and 6% QoQ to ₹1,00,529 crore. The retail to wholesale mix was 60:40.
- Secured Retail Advances: Grew by 30% YoY and 10% QoQ.
- Retail Advances: Increased by 10% YoY and 6% QoQ to ₹60,131 crore.
- Total Deposits: Increased by 8% YoY and 3% QoQ to ₹116,667 crore.
- CASA: Grew by 3% YoY and 2% QoQ to ₹37,169 crore, with the CASA Ratio at 31.9%.
Asset Quality
The asset quality of the bank showed improvement:
- GNPA: Decreased by 55 bps YoY to 2.32%.
- NNPA: Decreased by 22 bps YoY to 0.57%.
- Provision Coverage Ratio: Including Technical Write off was 92.7%.
Capital Adequacy and Liquidity
- Total Capital Adequacy: Stood at 15.02% as of September 30, 2025.
- CET 1: Was 13.51% as of September 30, 2025.
- Average LCR: For Q2 FY26 was 127%.
MD & CEO Remarks
Mr. R Subramaniakumar, MD & CEO of RBL Bank, stated, “We have delivered another quarter of stable financial performance; the momentum continues in secured retail and commercial banking on the asset side and granular deposits on the liability side.”
Source: BSE