RBL Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Mar'26

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Interest Earned

3,720.25

3,666.74

3,507.47

3,441.09

3,475.57

3,536.33

3,530.93

Income On Investments

554.97

521.62

520.83

548.02

563.65

533.24

527.41

Interest On Balances With Rbi Other Inter Bank Funds

111.78

79.36

63.63

67.94

54.69

87.34

93.11

Interest / Discount On Advances / Bills

3,009.43

3,010.24

2,867.83

2,772.45

2,799.45

2,846.09

2,829.05

Others

44.07

55.52

55.18

52.68

57.78

69.66

81.36

Other Income

1,068.96

1,050.26

932.70

1,069.48

1,000.03

1,073.33

927.36

Total Income

4,789.21

4,717.00

4,440.17

4,510.57

4,475.60

4,609.66

4,458.29

Interest Expended

2,049.29

2,009.50

1,956.79

1,960.43

1,912.55

1,951.27

1,915.96

Net Interest Income

1,670.96

1,657.24

1,550.68

1,480.66

1,563.02

1,585.06

1,614.97

Total Expenditure (Excl Depreciation)

1,784.54

1,795.07

1,754.99

1,847.19

1,701.86

1,661.76

1,632.44

Employee Cost

482.17

502.43

484.82

474.64

448.00

453.00

465.43

Other Operating Expenses

1,302.37

1,292.64

1,270.17

1,372.55

1,253.86

1,208.76

1,167.01

Operating Profit Before Provisions and Contingencies

955.38

912.43

728.39

702.95

861.19

996.63

909.89

Exceptional Items

0.00

Provisions and contingencies

678.32

639.27

499.70

442.32

785.14

1,188.90

618.33

Profit Before Tax

277.06

273.16

228.69

260.63

76.05

-192.27

291.56

Tax

47.35

59.28

50.17

60.30

7.35

-224.90

69.04

Profit After Tax

229.71

213.88

178.52

200.33

68.70

32.63

222.52

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

229.71

213.88

178.52

200.33

68.70

32.63

222.52

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

3.72

3.47

2.91

3.29

1.13

0.54

3.66

Diluted Earnings per share

3.67

3.42

2.88

3.26

1.13

0.53

3.63

Operating Profit Margin (Excl OI)

33.8%

33.61%

35.72%

33.47%

28.44%

19.39%

36.26%

Gross Profit Margin

7.45%

6.52%

7.57%

2.19%

-5.44%

8.26%

PAT Margin

6.17%

5.83%

5.09%

5.82%

1.98%

0.92%

6.3%

Net Interest Margin

4.41%

4.63%

4.51%

4.5%

4.89%

4.9%

5.04%

Return on Assets

0.0%

CASA (%)

33.6%

30.9%

31.9%

32.5%

34.1%

32.8%

33.6%

CASA Amount

46,723.00

36,972.00

37,169.00

36,614.00

37,886.00

35,022.00

36,224.00

Capital Adequacy Ratio (Total)

14.25%

14.47%

14.71%

15.42%

15.54%

14.86%

15.39%

Capital Adequacy Ratio (Tier 1)

12.77%

13.45%

13.51%

14.05%

14.06%

13.68%

14.19%

Provision Coverage Ratio (%)

73.57%

71.09%

75.92%

84.03%

89.02%

82.17%

72.98%

Amount of Gross NPAs

1,674.95

1,961.46

2,377.56

2,685.86

2,465.47

2,701.00

2,581.08

Amount of Net NPAs

442.73

566.99

572.41

428.82

270.79

481.64

697.51

% of Net NPAs

0.39%

0.55%

0.57%

0.45%

0.29%

0.53%

0.79%

% of Gross NPAs

1.45%

1.88%

2.32%

2.78%

2.6%

2.92%

2.88%

Public Share Holdings (%)

0.0%

Pledged Promotor Holding (%)

0.0%

Pledged Capital (%)

0.0%

Number of ATMs

415.0

412.0

411.0

406.0

Number of Branches

603.0

580.0

564.0

562.0

561.0

558.0

550.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Mar 2026 is 7.04% vs 4.09% in Mar 2025

Net Profit

YoY Growth in quarter ended Mar 2026 is 234.37% vs -80.52% in Mar 2025

Operating Profit (PBDIT)

YoY Growth in quarter ended Mar 2026 is 10.94% vs -2.91% in Mar 2025

% of Net NPAs

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

% of Gross NPAs

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

Compare Quarterly Results Of RBL Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,720.25

2,903.65

816.60

28.12%

Income On Investments

554.97

501.41

53.56

10.68%

Interest On Balances With Rbi Other Inter Bank Funds

111.78

11.23

100.55

895.37%

Interest / Discount On Advances / Bills

3,009.43

2,365.16

644.27

27.24%

Others

44.07

25.85

18.22

70.48%

Other Income

1,068.96

615.80

453.16

73.59%

Total Income

4,789.21

3,519.45

1,269.76

36.08%

Interest Expended

2,049.29

1,544.88

504.41

32.65%

Net Interest Income

1,670.96

1,358.77

312.19

22.98%

Total Expenditure (Excl Depreciation)

1,784.54

727.81

1,056.73

145.19%

Employee Cost

482.17

340.75

141.42

41.5%

Other Operating Expenses

1,302.37

387.06

915.31

236.48%

Operating Profit Before Provisions and Contingencies

955.38

1,246.76

-291.38

-23.37%

Exceptional Items

0.00

Provisions and contingencies

678.32

257.66

420.66

163.26%

Profit Before Tax

277.06

989.10

-712.04

-71.99%

Tax

47.35

264.14

-216.79

-82.07%

Profit After Tax

229.71

724.96

-495.25

-68.31%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

229.71

724.96

-495.25

-68.31%

Face Value

10.00

2.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.72

7.50

-3.78

-50.4%

Diluted Earnings per share

3.67

7.50

-3.83

-51.07%

Operating Profit Margin (Excl OI)

33.80%

66.06%

0.00

-32.26%

Gross Profit Margin

7.45%

34.06%

0.00

-26.61%

PAT Margin

6.17%

24.97%

0.00

-18.80%

Net Interest Margin

4.41%

4.25%

0.16

0.16%

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%

Quarterly - Interest Earned

Interest Earned 3720.25 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 1.46% vs 4.54% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 7.04% vs 4.09% in Mar 2025

Quarterly - Net Profit

Net Profit 229.71 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 7.40% vs 19.81% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 234.37% vs -80.52% in Mar 2025

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 955.38 Cr

in Mar 2026

Figures in Cr

QoQ Growth in quarter ended Mar 2026 is 4.71% vs 25.27% in Dec 2025

YoY Growth in quarter ended Mar 2026 is 10.94% vs -2.91% in Mar 2025

Quarterly - % of Net NPAs

% of Net NPAs 0.39%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.16% vs -0.02% in Dec 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.45%

in Mar 2026

Figures in %

QoQ Growth in quarter ended Mar 2026 is -0.43% vs -0.44% in Dec 2025

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