Are RBL Bank latest results good or bad?

RBL Bank has reported financial results for the quarter ending June 2025 that reflect significant operational challenges. The Profit Before Tax (PBT) has shown a substantial decline, standing at Rs -808.85 crore, which indicates a year-on-year decrease of 158.69%. The Profit After Tax (PAT) also reflects a negative trend, with a year-on-year decline of 46.1%, amounting to Rs 200.33 crore.
The bank's Net Interest Income has reached Rs 1,480.66 crore, marking a continued downward trajectory over the last five quarters. Additionally, the Operating Profit, measured as PBDIT, is reported at Rs -366.53 crore, which signifies a consistent decline in operational profitability. The Operating Profit Margin has fallen to -10.65%, suggesting challenges in maintaining operational efficiency.

Interest earned has decreased to Rs 3,441.09 crore, the lowest level in five quarters, while non-operating income has surged to a significant percentage of PBT, raising concerns about the sustainability of the bank's business model. Furthermore, the bank's evaluation has seen an adjustment, reflecting the overall negative trends in its financial performance.

In summary, RBL Bank's latest financial results indicate a challenging operational environment, with key metrics showing significant declines compared to the previous year.