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Informist, Saturday, Apr. 25, 2026

 

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--RBL Bank Jan-Mar net profit INR 2.30 bln 
--Analysts saw RBL Bank Jan-Mar net profit at INR 2.56 bln 
--RBL Bank Jan-Mar net profit INR 2.30 bln vs INR 687.00 mln year ago 
--RBL Bank Jan-Mar total income INR 47.89 bln vs INR 44.76 bln year ago 
--RBL Bank Jan-Mar provisions INR 6.78 bln vs INR 7.85 bln year ago 
--RBL Bank gross NPA ratio 1.45% on Mar 31 vs 1.88% quarter ago 
--RBL Bank net NPA ratio 0.39% on Mar 31 vs 0.55% quarter ago 
--RBL Bank Basel III capital adequacy ratio 14.25% on Mar 31 
--RBL Bank FY26 net profit INR 8.22 bln vs INR 6.95 bln year ago 
--RBL Bank FY26 total income INR 184.57 bln vs INR 178.45 bln year ago 
--RBL Bank to pay INR 1 per share dividend 
--RBL Bank Jan-Mar net interest income INR 16.71 bln, up 7% on year 
--RBL Bank Jan-Mar NIM 4.41%
--RBL Bank retail advances INR 671.19 bln on Mar 31, up 20% on year 
--RBL Bank wholesale advances INR 471.12 bln on Mar 31, up 28% on year 
--RBL Bank: Jan-Mar cost of deposit 5.92% vs 6.20% qtr ago, 6.53% year ago 
--RBL Bank: Jan-Mar recoveries at 1.05 INR bln vs INR 1.00 bln qtr ago
--RBL Bank: Jan-Mar upgrades at INR 1.96 bln vs INR 980 mln qtr ago 
--RBL Bank: Jan-Mar net slippages INR 6.24 bln vs INR 7.11 bln qtr ago 
--RBL Bank Jan-Mar NIM 4.41% vs 4.63% qtr ago, 4.89% year ago 
--RBL Bank provision coverage ratio at 73.57% on Mar 31 
--RBL Bank advances INR 1.14 tln on Mar 31, up 23% on year
--RBL Bank deposits INR 1.39 tln on Mar 31, up 25% on year 
--RBL Bank: CASA ratio at 33.6% on Mar 31 
--RBL Bank Jan-Mar credit cost 65 bps 
--RBL Bank Jan-Mar average liquidity coverage ratio at 130% 
 

 

By Meera Nair

 

MUMBAI – RBL Bank's net profit for the quarter ended March jumped over threefold on year due to a rise in interest income and fall in provisions. An improvement in the lender's asset quality also boosted the bottom line.

 

The lender's net profit for the March quarter was INR 2.30 billion, up over 234% on year and more than 7% on quarter. The company missed analysts' estimates, which saw net profit at INR 2.56 billion. RBL Bank's total income for the March quarter was at INR 47.89 billion, a little over 7% more on year and nearly 2% on quarter. 

 

The private-sector bank's interest income rose 7% on year to INR 37.20 billion, its fastest pace in five quarters. Of this, the interest on balances with Reserve Bank of India and other inter-bank funds was at INR 1.12 billion, up over 104% on year and almost 41% sequentially. The lender's net interest income for the March quarter was at INR 16.71 billion, up 7% on year.

 

Meanwhile, the total expenses of the bank for the reporting quarter were at INR 38.34 billion, up over 6% on year and marginally higher quarter-on-quarter. The interest expenses of the bank for the March quarter rose over 7% on year to INR 20.49 billion. Sequentially, it rose almost 2%. 

 

RBL Bank's provisions were at INR 6.78 billion for the quarter ended March, down almost 14% on year. However, it increases over 6% on quarter. The gross non-performing assets ratio was at 1.45% as on Mar. 31, down from 1.88% a quarter ago. Meanwhile, the net non-performing assets were at 0.39% as on Mar. 31, down from 0.55% a quarter ago. 

 

The lender's basel-III capital adequacy ratio was 14.25% as on Mar. 31., slightly lower from the previous quarter. It was at 14.47% for the quarter ended December. 

 

The bank's total income for the financial year 2025-26 (Apr-Mar) was INR 184.57 billion compared with INR 178.45 billion a year ago. The net profit for FY26 was INR 8.22 billion against INR 6.95 billion a year ago. The bank will pay a dividend of INR 1 per share as on Mar. 31. 

 

The bank's net interest margin for the March quarter fell to 4.41% from 4.63% in the previous quarter and 4.89% a year ago. The bank's advances were INR 1.14 trillion as of Mar. 31, up 23% on year. Of this, retail advances were at INR 671.19 billion, up 20% on year, while wholesale advances grew 28% on year to INR 471.12 billion as on Mar. 31. Secured retail advances grew 36% on year to INR 402.07 billion. 

 

Meanwhile, the lender's total deposits rose 25% on year to INR 1.39 trillion as on Mar. 31. Of this, granular deposits, that is, deposits less than INR 30 million, grew 16% on year to INR 639.43 billion, accounting for almost 46% of the total deposits.

 

The lender's cost of deposits for the quarter ended March was at 5.92%. It was 6.53% a year ago and 6.20% a quarter ago. The current account savings account ratio was 33.6% as on Mar. 31, while the current account savings account deposits for the year grew 23% on year to INR 467.23 billion. The bank's credit cost for the quarter ended March was 65 basis points, sharply down from 93 bps a year ago. The average liquidity coverage ratio for the reporting quarter was 130%.

 

RBL Bank's total recoveries were at INR 1.05 billion for the reporting quarter, up from INR 1 billion a quarter ago. The bank's upgrades for the March quarter were at INR 1.96 billion. It was INR 980 million a quarter ago.

The lender's net slippages for the reporting quarter were at INR 6.24 billion, down from INR 7.11 billion a quarter ago. The provision coverage ratio was 73.57% as of Mar. 31. On Friday, shares of the bank closed almost 3% higher at INR 321.40 on the National Stock Exchange. End

 

Edited by Deepshikha Bhardwaj

 

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