RBL Bank Ltd Annual Results: Standalone & Consolidated Reports

Annual Results

Results Snapshot

Figures in Cr

Standalone Annual Results

Mar'26

Mar'25

Mar'24

Mar'23

Mar'22

Mar'21

Mar'20

Interest Earned

14,335.55

14,039.07

12,394.30

9,676.58

8,175.79

8,329.02

8,514.38

Income On Investments

2,145.44

2,147.28

2,034.05

1,625.65

1,347.56

1,363.18

1,372.69

Interest On Balances With Rbi Other Inter Bank Funds

322.71

302.45

161.77

265.16

362.11

291.93

191.42

Interest / Discount On Advances / Bills

11,659.95

11,224.76

9,978.49

7,678.37

6,316.88

6,523.70

6,906.80

Others

207.45

364.58

219.99

107.40

149.24

150.21

43.47

Other Income

4,121.40

3,806.18

3,042.89

2,489.43

2,340.53

1,884.04

1,910.25

Total Income

18,456.95

17,845.25

15,437.19

12,166.01

10,516.32

10,213.06

10,424.63

Interest Expended

7,976.01

7,576.05

6,351.41

4,678.39

4,149.05

4,541.46

4,884.74

Net Interest Income

6,359.54

6,463.02

6,042.89

4,998.19

4,026.74

3,787.56

3,629.64

Total Expenditure (Excl Depreciation)

7,181.79

6,642.41

6,055.03

5,285.17

3,621.96

2,754.58

2,825.57

Employee Cost

1,944.06

1,734.44

1,492.23

1,340.34

1,001.54

845.35

768.43

Other Operating Expenses

5,237.73

4,907.97

4,562.80

3,944.83

2,620.42

1,909.23

2,057.14

Operating Profit Before Provisions and Contingencies

3,299.15

3,626.79

3,030.75

2,202.45

2,745.31

2,917.02

2,714.32

Exceptional Items

0.00

Provisions and contingencies

2,259.61

2,958.66

1,778.47

1,021.94

2,860.40

2,227.94

1,961.54

Profit Before Tax

1,039.54

668.13

1,252.28

1,180.51

-115.09

689.08

752.78

Tax

217.10

-27.24

84.36

297.78

-40.35

181.30

247.11

Profit After Tax

822.44

695.37

1,167.92

882.73

-74.74

507.78

505.67

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

822.44

695.37

1,167.92

882.73

-74.74

507.78

505.67

Face Value

10.0

Reserves

15,986.31

14,998.42

14,190.80

12,976.51

12,018.21

12,063.69

10,073.36

Earnings per share (EPS)

13.31

11.44

19.3

14.72

-1.25

8.49

9.94

Diluted Earnings per share

13.18

11.4

19.04

14.66

-1.25

9.28

11.1

Operating Profit Margin (Excl OI)

34.14%

31.61%

36.8%

34.82%

20.71%

40.18%

43.78%

Gross Profit Margin

7.25%

4.76%

10.1%

12.2%

-1.41%

8.27%

8.84%

PAT Margin

5.74%

4.95%

9.42%

9.12%

-0.91%

6.1%

5.94%

Net Interest Margin

4.51%

5.1%

5.5%

4.7%

4.45%

4.48%

4.6%

Return on Assets

0.0%

CASA (%)

33.6%

34.1%

35.2%

37.4%

35.8%

31.8%

29.6%

CASA Amount

46,723.00

37,886.00

36,449.00

31,717.00

0.00

Capital Adequacy Ratio (Total)

14.25%

15.54%

16.18%

16.92%

16.82%

17.5%

16.45%

Capital Adequacy Ratio (Tier 1)

12.77%

14.06%

14.38%

15.3%

16.2%

16.6%

15.3%

Provision Coverage Ratio (%)

73.57%

89.0%

72.7%

68.1%

70.4%

52.3%

64.04%

Amount of Gross NPAs

1,674.95

2,465.47

2,270.97

2,419.86

2,728.39

2,601.53

2,136.52

Amount of Net NPAs

442.73

270.79

619.30

772.54

806.56

1,241.35

1,189.37

% of Net NPAs

0.39%

0.29%

0.74%

1.1%

1.34%

2.12%

2.05%

% of Gross NPAs

1.45%

2.6%

2.65%

3.37%

4.4%

4.34%

3.62%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

415.0

412.0

395.0

414.0

412.0

389.0

Number of Branches

603.0

561.0

545.0

517.0

502.0

429.0

386.0

Annual Analysis Highlights

Interest Earned

YoY Growth in year ended Mar 2026 is 2.11% vs 13.27% in Mar 2025

Net Profit

YoY Growth in year ended Mar 2026 is 18.27% vs -40.46% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in year ended Mar 2026 is -9.03% vs 19.67% in Mar 2025

% of Net NPAs

YoY Growth in year ended Mar 2026 is 0.10% vs -0.45% in Mar 2025

% of Gross NPAs

YoY Growth in year ended Mar 2026 is -1.15% vs -0.05% in Mar 2025

Compare Annual Results Of RBL Bank With

Select Peers

Figures in Cr

Standalone Annual Results

Change(INR)

Change(%)

Interest Earned

14,335.55

11,074.35

3,261.20

29.45%

Income On Investments

2,145.44

1,883.92

261.52

13.88%

Interest On Balances With Rbi Other Inter Bank Funds

322.71

39.09

283.62

725.56%

Interest / Discount On Advances / Bills

11,659.95

9,111.37

2,548.58

27.97%

Others

207.45

39.97

167.48

419.01%

Other Income

4,121.40

2,084.32

2,037.08

97.73%

Total Income

18,456.95

13,158.67

5,298.28

40.26%

Interest Expended

7,976.01

6,135.80

1,840.21

29.99%

Net Interest Income

6,359.54

4,938.55

1,420.99

28.77%

Total Expenditure (Excl Depreciation)

7,181.79

2,947.89

4,233.90

143.62%

Employee Cost

1,944.06

1,434.04

510.02

35.57%

Other Operating Expenses

5,237.73

1,513.85

3,723.88

245.99%

Operating Profit Before Provisions and Contingencies

3,299.15

4,074.98

-775.83

-19.04%

Exceptional Items

0.00

Provisions and contingencies

2,259.61

754.94

1,504.67

199.31%

Profit Before Tax

1,039.54

3,320.04

-2,280.50

-68.69%

Tax

217.10

809.71

-592.61

-73.19%

Profit After Tax

822.44

2,510.33

-1,687.89

-67.24%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

822.44

2,510.33

-1,687.89

-67.24%

Face Value

10.00

2.00

0.00

Reserves

15,986.31

13,914.54

2,071.77

14.89%

Earnings per share (EPS)

13.31

25.97

-12.66

-48.75%

Diluted Earnings per share

13.18

25.97

-12.79

-49.25%

Operating Profit Margin (Excl OI)

34.14%

66.56%

0.00

-32.42%

Gross Profit Margin

7.25%

29.98%

0.00

-22.73%

PAT Margin

5.74%

22.67%

0.00

-16.93%

Net Interest Margin

4.51%

3.97%

0.54

0.54%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

33.60%

26.91%

6.69

6.69%

CASA Amount

46,723.00

31,122.00

15,601.00

50.13%

Capital Adequacy Ratio (Total)

14.25%

18.76%

-4.51

-4.51%

Capital Adequacy Ratio (Tier 1)

12.77%

17.72%

-4.95

-4.95%

Provision Coverage Ratio (%)

73.57%

96.45%

-22.88

-22.88%

Amount of Gross NPAs

1,674.95

743.91

931.04

125.15%

Amount of Net NPAs

442.73

186.21

256.52

137.76%

% of Net NPAs

0.39%

0.19%

0.20

0.20%

% of Gross NPAs

1.45%

0.75%

0.70

0.70%

Public Share Holdings (%)

0.00%

0.00

0.00%

Pledged Promotor Holding (%)

0.00%

0.00

0.00%

Pledged Capital (%)

0.00%

0.00

0.00%

Number of ATMs

415.00

2,213.00

-1,798.00

-81.25%

Number of Branches

603.00

901.00

-298.00

-33.07%

Annual - Interest Earned

Interest Earned 14335.55 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 2.11% vs 13.27% in Mar 2025

Annual - Net Profit

Net Profit 822.44 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is 18.27% vs -40.46% in Mar 2025

Annual - Operating Profit (PBDIT)

Operating Profit (PBDIT) 3,299.15 Cr

in Mar 2026

Figures in Cr

YoY Growth in year ended Mar 2026 is -9.03% vs 19.67% in Mar 2025

Annual - % of Net NPAs

% of Net NPAs 0.39%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is 0.10% vs -0.45% in Mar 2025

Annual - % of Gross NPAs

% of Gross NPAs 1.45%

in Mar 2026

Figures in %

YoY Growth in year ended Mar 2026 is -1.15% vs -0.05% in Mar 2025