RBL Bank Ltd Quarterly Results: Standalone & Consolidated Reports

Quarterly Results

Results Snapshot

YoYQoQ

Figures in Cr

Standalone Quarterly Results

Dec'25

Sep'25

Jun'25

Mar'25

Dec'24

Sep'24

Jun'24

Interest Earned

3,666.74

3,507.47

3,441.09

3,475.57

3,536.33

3,530.93

3,496.24

Income On Investments

521.62

520.83

548.02

563.65

533.24

527.41

522.98

Interest On Balances With Rbi Other Inter Bank Funds

79.36

63.63

67.94

54.69

87.34

93.11

67.31

Interest / Discount On Advances / Bills

3,010.24

2,867.83

2,772.45

2,799.45

2,846.09

2,829.05

2,750.17

Others

55.52

55.18

52.68

57.78

69.66

81.36

155.78

Other Income

1,050.26

932.70

1,069.48

1,000.03

1,073.33

927.36

805.46

Total Income

4,717.00

4,440.17

4,510.57

4,475.60

4,609.66

4,458.29

4,301.70

Interest Expended

2,009.50

1,956.79

1,960.43

1,912.55

1,951.27

1,915.96

1,796.27

Net Interest Income

1,657.24

1,550.68

1,480.66

1,563.02

1,585.06

1,614.97

1,699.97

Total Expenditure (Excl Depreciation)

1,795.07

1,754.99

1,847.19

1,701.86

1,661.76

1,632.44

1,646.35

Employee Cost

502.43

484.82

474.64

448.00

453.00

465.43

368.01

Other Operating Expenses

1,292.64

1,270.17

1,372.55

1,253.86

1,208.76

1,167.01

1,278.34

Operating Profit Before Provisions and Contingencies

912.43

728.39

702.95

861.19

996.63

909.89

859.08

Exceptional Items

0.00

Provisions and contingencies

639.27

499.70

442.32

785.14

1,188.90

618.33

366.29

Profit Before Tax

273.16

228.69

260.63

76.05

-192.27

291.56

492.79

Tax

59.28

50.17

60.30

7.35

-224.90

69.04

121.27

Profit After Tax

213.88

178.52

200.33

68.70

32.63

222.52

371.52

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

213.88

178.52

200.33

68.70

32.63

222.52

371.52

Face Value

10.0

Reserves

0.00

Earnings per share (EPS)

3.47

2.91

3.29

1.13

0.54

3.66

6.13

Diluted Earnings per share

3.42

2.88

3.26

1.13

0.53

3.63

6.04

Operating Profit Margin (Excl OI)

33.61%

35.72%

33.47%

28.44%

19.39%

36.26%

42.43%

Gross Profit Margin

7.45%

6.52%

7.57%

2.19%

-5.44%

8.26%

14.09%

PAT Margin

5.83%

5.09%

5.82%

1.98%

0.92%

6.3%

10.63%

Net Interest Margin

4.63%

4.51%

4.5%

4.89%

4.9%

5.04%

5.67%

Return on Assets

0.0%

CASA (%)

30.9%

31.9%

32.5%

34.1%

32.8%

33.6%

32.6%

CASA Amount

36,972.00

37,169.00

36,614.00

37,886.00

35,022.00

36,224.00

33,003.00

Capital Adequacy Ratio (Total)

14.47%

14.71%

15.42%

15.54%

14.86%

15.39%

15.23%

Capital Adequacy Ratio (Tier 1)

13.45%

13.51%

14.05%

14.06%

13.68%

14.19%

13.85%

Provision Coverage Ratio (%)

71.09%

75.92%

84.03%

89.02%

82.17%

72.98%

73.13%

Amount of Gross NPAs

1,961.46

2,377.56

2,685.86

2,465.47

2,701.00

2,581.08

2,377.82

Amount of Net NPAs

566.99

572.41

428.82

270.79

481.64

697.51

638.94

% of Net NPAs

0.55%

0.57%

0.45%

0.29%

0.53%

0.79%

0.74%

% of Gross NPAs

1.88%

2.32%

2.78%

2.6%

2.92%

2.88%

2.69%

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

398.0

Number of Branches

580.0

564.0

562.0

561.0

558.0

550.0

545.0

Quarterly Analysis Highlights - YoY

Interest Earned

YoY Growth in quarter ended Dec 2025 is 3.69% vs 10.81% in Dec 2024

Net Profit

YoY Growth in quarter ended Dec 2025 is 555.47% vs -86.00% in Dec 2024

Operating Profit (PBDIT)

YoY Growth in quarter ended Dec 2025 is -8.45% vs 30.24% in Dec 2024

% of Net NPAs

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

% of Gross NPAs

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

Compare Quarterly Results Of RBL Bank With

Select Peers

Figures in Cr

Standalone Quarterly Results

Change(INR)

Change(%)

Interest Earned

3,666.74

1,755.68

1,911.06

108.85%

Income On Investments

521.62

293.73

227.89

77.58%

Interest On Balances With Rbi Other Inter Bank Funds

79.36

25.68

53.68

209.03%

Interest / Discount On Advances / Bills

3,010.24

1,434.62

1,575.62

109.83%

Others

55.52

1.66

53.86

3244.58%

Other Income

1,050.26

245.35

804.91

328.07%

Total Income

4,717.00

2,001.03

2,715.97

135.73%

Interest Expended

2,009.50

1,003.51

1,005.99

100.25%

Net Interest Income

1,657.24

752.17

905.07

120.33%

Total Expenditure (Excl Depreciation)

1,795.07

484.36

1,310.71

270.61%

Employee Cost

502.43

230.23

272.20

118.23%

Other Operating Expenses

1,292.64

254.13

1,038.51

408.65%

Operating Profit Before Provisions and Contingencies

912.43

513.16

399.27

77.81%

Exceptional Items

0.00

Provisions and contingencies

639.27

96.00

543.27

565.91%

Profit Before Tax

273.16

417.16

-144.00

-34.52%

Tax

59.28

85.00

-25.72

-30.26%

Profit After Tax

213.88

332.16

-118.28

-35.61%

Extraordinary Items

0.00

Prior Period Expenses

0.00

Other Adjustments

0.00

Net Profit

213.88

332.16

-118.28

-35.61%

Face Value

10.00

1.00

0.00

Reserves

0.00

Earnings per share (EPS)

3.47

4.48

-1.01

-22.54%

Diluted Earnings per share

3.42

4.46

-1.04

-23.32%

Operating Profit Margin (Excl OI)

33.61%

66.94%

0.00

-33.33%

Gross Profit Margin

7.45%

23.76%

0.00

-16.31%

PAT Margin

5.83%

18.92%

0.00

-13.09%

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%

Quarterly - Interest Earned

Interest Earned 3666.74 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 4.54% vs 1.93% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 3.69% vs 10.81% in Dec 2024

Quarterly - Net Profit

Net Profit 213.88 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 19.81% vs -10.89% in Sep 2025

YoY Growth in quarter ended Dec 2025 is 555.47% vs -86.00% in Dec 2024

Quarterly - Operating Profit (PBDIT)

Operating Profit (PBDIT) 912.43 Cr

in Dec 2025

Figures in Cr

QoQ Growth in quarter ended Dec 2025 is 25.27% vs 3.62% in Sep 2025

YoY Growth in quarter ended Dec 2025 is -8.45% vs 30.24% in Dec 2024

Quarterly - % of Net NPAs

% of Net NPAs 0.55%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.02% vs 0.12% in Sep 2025

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

Quarterly - % of Gross NPAs

% of Gross NPAs 1.88%

in Dec 2025

Figures in %

QoQ Growth in quarter ended Dec 2025 is -0.44% vs -0.46% in Sep 2025

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