RBL Bank Ltd Nine-Monthly Results: Standalone & Consolidated Reports

Nine Monthly Results

Results Snapshot

Figures in Cr

Standalone Nine Monthly Results

Dec'25

Dec'24

Dec'23

Dec'22

Dec'21

Dec'20

Dec'19

Interest Earned

10,615.30

10,563.50

9,055.21

7,034.26

6,044.83

6,363.63

6,306.15

Income On Investments

1,590.47

1,583.63

1,520.65

1,180.86

1,013.04

1,020.15

1,034.00

Interest On Balances With Rbi Other Inter Bank Funds

210.93

247.76

103.62

225.45

255.46

236.65

133.73

Interest / Discount On Advances / Bills

8,650.52

8,425.31

7,299.24

5,561.53

4,662.87

5,010.58

5,100.29

Others

163.38

306.80

131.70

66.42

113.46

96.25

38.13

Other Income

3,052.44

2,806.15

2,167.42

1,815.32

1,866.08

1,335.22

1,409.71

Total Income

13,667.74

13,369.65

11,222.63

8,849.58

7,910.91

7,698.85

7,715.86

Interest Expended

5,926.72

5,663.50

4,612.17

3,393.35

3,149.43

3,482.11

3,697.49

Net Interest Income

4,688.58

4,900.00

4,443.04

3,640.91

2,895.40

2,881.52

2,608.66

Total Expenditure (Excl Depreciation)

5,397.25

4,940.55

4,466.74

3,847.56

2,673.59

2,036.64

2,040.53

Employee Cost

1,461.89

1,286.44

1,114.76

982.97

722.55

638.36

568.57

Other Operating Expenses

3,935.36

3,654.11

3,351.98

2,864.59

1,951.04

1,398.28

1,471.96

Operating Profit Before Provisions and Contingencies

2,343.77

2,765.60

2,143.72

1,608.67

2,087.89

2,180.10

1,977.84

Exceptional Items

0.00

Provisions and contingencies

1,581.29

2,173.52

1,364.68

787.24

2,459.73

1,601.30

1,375.82

Profit Before Tax

762.48

592.08

779.04

821.43

-371.84

578.80

602.02

Tax

169.75

-34.59

-36.24

209.75

-99.27

146.36

210.71

Profit After Tax

592.73

626.67

815.28

611.68

-272.57

432.44

391.31

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

592.73

626.67

815.28

611.68

-272.57

432.44

391.31

Face Value

10.0

Reserves

0.00

Operating Profit Margin (Excl OI)

49.16%

53.23%

50.67%

45.3%

55.77%

68.0%

67.64%

Gross Profit Margin

0.0%

PAT Margin

5.58%

5.93%

9.0%

8.7%

-4.51%

6.8%

6.21%

Net Interest Margin

4.63%

4.9%

5.52%

4.74%

4.34%

4.19%

4.57%

Return on Assets

0.0%

CASA (%)

30.9%

32.8%

33.8%

36.6%

34.4%

31.1%

26.8%

CASA Amount

36,972.00

35,022.00

31,338.00

29,948.00

0.00

Capital Adequacy Ratio (Total)

14.47%

14.86%

15.66%

16.32%

16.58%

17.33%

15.66%

Capital Adequacy Ratio (Tier 1)

13.45%

13.68%

14.6%

15.5%

15.8%

17.1%

15.0%

Provision Coverage Ratio (%)

71.09%

82.17%

75.1%

68.0%

78.6%

86.4%

58.1%

Amount of Gross NPAs

1,961.46

2,701.00

2,551.05

2,468.68

2,901.91

1,050.21

2,010.48

Amount of Net NPAs

566.99

481.64

635.64

789.92

1,075.54

402.46

1,236.41

% of Net NPAs

0.55%

0.53%

0.8%

1.18%

1.85%

0.71%

2.07%

% of Gross NPAs

1.88%

2.92%

3.12%

3.61%

4.84%

1.84%

3.33%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

415.0

411.0

388.0

413.0

407.0

412.0

383.0

Number of Branches

580.0

558.0

538.0

516.0

463.0

404.0

371.0

Nine Monthly Analysis Highlights

Interest Earned

YoY Growth in nine months ended Dec 2025 is 0.49% vs 16.66% in Dec 2024

Net Profit

YoY Growth in nine months ended Dec 2025 is -5.42% vs -23.13% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in nine months ended Dec 2025 is -15.25% vs 29.01% in Dec 2024

% of Net NPAs

YoY Growth in nine months ended Dec 2025 is 0.02% vs -0.27% in Dec 2024

% of Gross NPAs

YoY Growth in nine months ended Dec 2025 is -1.04% vs -0.20% in Dec 2024

Compare Nine Monthly Results Of RBL Bank With

Select Peers

Figures in Cr

Standalone Nine Monthly Results

Change(INR)

Change(%)

Interest Earned

10,615.30

5,014.14

5,601.16

111.71%

Income On Investments

1,590.47

867.70

722.77

83.3%

Interest On Balances With Rbi Other Inter Bank Funds

210.93

80.68

130.25

161.44%

Interest / Discount On Advances / Bills

8,650.52

4,056.60

4,593.92

113.25%

Others

163.38

9.18

154.20

1679.74%

Other Income

3,052.44

748.36

2,304.08

307.88%

Total Income

13,667.74

5,762.49

7,905.25

137.18%

Interest Expended

5,926.72

2,970.14

2,956.58

99.54%

Net Interest Income

4,688.58

2,044.00

2,644.58

129.38%

Total Expenditure (Excl Depreciation)

5,397.25

1,357.68

4,039.57

297.53%

Employee Cost

1,461.89

655.19

806.70

123.12%

Other Operating Expenses

3,935.36

702.49

3,232.87

460.2%

Operating Profit Before Provisions and Contingencies

2,343.77

1,434.67

909.10

63.37%

Exceptional Items

0.00

Provisions and contingencies

1,581.29

223.00

1,358.29

609.1%

Profit Before Tax

762.48

1,211.67

-449.19

-37.07%

Tax

169.75

245.00

-75.25

-30.71%

Profit After Tax

592.73

966.67

-373.94

-38.68%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

592.73

966.67

-373.94

-38.68%

Face Value

10.00

1.00

0.00

Reserves

0.00

PAT Margin

5.58%

19.28%

0.00

-13.70%

Net Interest Margin

4.63%

3.89%

0.74

0.74%

Return on Assets

0.00%

0.00

0.00%

CASA (%)

30.90%

0.00%

30.90

30.90%

CASA Amount

36,972.00

19,233.50

17,738.50

92.23%

Capital Adequacy Ratio (Total)

14.47%

20.13%

-5.66

-5.66%

Capital Adequacy Ratio (Tier 1)

13.45%

19.18%

-5.73

-5.73%

Provision Coverage Ratio (%)

71.09%

83.00%

-11.91

-11.91%

Amount of Gross NPAs

1,961.46

1,320.00

641.46

48.6%

Amount of Net NPAs

566.99

469.34

97.65

20.81%

% of Net NPAs

0.55%

0.78%

-0.23

-0.23%

% of Gross NPAs

1.88%

2.17%

-0.29

-0.29%

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

1,678.00

-1,263.00

-75.27%

Number of Branches

580.00

901.00

-321.00

-35.63%

Nine Monthly - Interest Earned

Interest Earned 10615.3 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is 0.49% vs 16.66% in Dec 2024

Nine Monthly - Net Profit

Net Profit 592.73 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -5.42% vs -23.13% in Dec 2024

Nine Monthly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 2,343.77 Cr

in Dec 2025

Figures in Cr

YoY Growth in nine months ended Dec 2025 is -15.25% vs 29.01% in Dec 2024

Nine Monthly - % of Net NPAs

% of Net NPAs 0.55%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is 0.02% vs -0.27% in Dec 2024

Nine Monthly - % of Gross NPAs

% of Gross NPAs 1.88%

in Dec 2025

Figures in %

YoY Growth in nine months ended Dec 2025 is -1.04% vs -0.20% in Dec 2024