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Informist, Saturday, Jan. 17, 2026

 

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--RBL Bank Oct-Dec net profit INR 2.14 bln 
--Analysts saw RBL Bank Oct-Dec net profit INR 2.38 bln 
--RBL Bank Oct-Dec net profit INR 2.14 bln vs INR 326.30 mln year ago 
--RBL Bank Oct-Dec total income INR 47.17 bln vs INR 46.10 bln year ago 
--RBL Bank Oct-Dec provisions INR 6.39 bln vs INR 11.89 bln year ago 
--RBL Bank Apr-Dec net profit INR 5.93 bln vs INR 6.27 bln year ago 
--RBL Bank Apr-Dec total income INR 136.68 bln vs INR 133.70 bln year ago 
--RBL Bank gross NPA ratio 1.88% as on Dec 31 vs 2.32% quarter ago 
--RBL Bank net NPA ratio 0.55% as on Dec 31 vs 0.57% quarter ago 
--RBL Bank Basel III capital adequacy ratio 14.47% as on Dec 31 
--RBL Bank Oct-Dec net interest income INR 16.57 bln, up 5% on year 
--RBL Bank Oct-Dec NIM 4.63% vs 4.51% qtr ago, 4.90% year ago
--RBL Bank provision coverage ratio at 71.09% as on Dec 31 
--RBL Bank advances INR 1.03 tln as on Dec 31, up 14% on year 
--RBL Bank deposits at INR 1.20 tln as on Dec 31, up 12% on year 
--RBL Bank: Oct-Dec cost of deposit 6.20% vs 6.26% qtr ago, 6.57% year ago 
--RBL Bank: Oct-Dec recoveries at INR 1 bln vs INR 1.05 bln qtr ago 
--RBL Bank: Oct-Dec upgrades at INR 980 mln vs INR 930 mln qtr ago 
--RBL Bank: Oct-Dec net slippages INR 7.11 bln vs INR 7.27 bln qtr ago 
--RBL Bank retail advances INR 606.11 bln as on Dec 31, up 10% on year 
--RBL Bank wholesale advances INR 424.75 bln as on Dec 31, up 21% on year 

 

By Divya Moolayattil

 

MUMBAI– RBL Bank's net profit for the December quarter jumped up over six-fold year-on-year to INR 2.14 billion mainly because of a sharp decline in its provision. Sequentially, the net profit rose nearly 20%, but was below analyst estimates of INR 2.38 billion.

 

The private sector lender's provisions fell 46% to INR 6.4 billion from INR 11.89 billion a year ago. In the year-ago quarter, the bank's total provisions had nearly doubled sequentially to INR 11.89 billion, of which INR 4.14 billion was for its non-performing loans of the Joint Liability Group portfolio. The provision coverage ratio for the December quarter was 71.09%.

 

The bank's net interest income for the December quarter was INR 16.57 billion, a rise of 5% on year and above the average analyst estimate of INR 16.41 billion. Net interest margin was 4.63%, a fall of 27 basis points compared to the year-ago quarter. Other income fell marginally to INR 10.50 billion from INR 10.73 billion a year ago. The lender's total income rose 2% on year to INR 27.07 billion for the December quarter, but the sequential growth was higher at 9%.

 

RBL Bank's advances grew 14% on year to INR 1.03 trillion as of Dec. 31. Wholesale advances for the December quarter rose 21% on year to INR 424.75 billion, but the retail advances grew only 10% to INR 606.10 billion.

 

The bank's total deposits were up 12% on year at INR 1.19 trillion as of Dec. 31. The bank's current account savings account ratio was 30.9% at December-end against 31.9% a quarter ago. Its cost of deposits fell to 6.20% from 6.26% in the trailing quarter and 6.57% a year ago. Total capital adequacy ratio of the bank as per Basel III norms was 14.47% as of Dec. 31.

 

On the asset quality front, the bank's gross non-performing asset ratio fell 44 basis points on quarter and 104 bps on year to 1.88% as on Dec. 31. Net non-performing asset ratio was largely steady from both the quarter ago and year ago at 0.55% as on Dec. 31. The lender's gross slippages declined to INR 7.11 billion from INR 7.27 billion in the previous quarter. Recoveries fell marginally on quarter to INR 1 billion. Upgrades in the December quarter rose to INR 980 million from INR 930 million in the preceding quarter.

 

After the earnings were released, the Indian lender's management said Emirates NBD Bank is expected to get regulatory approvals for the 60% stake purchase in RBL Bank in the June quarter of 2026-27 (Apr-Mar). In October, RBL Bank's board had approved selling 60% stake to Dubai's Emirates NBD Bank for INR 268.50 billion.

 

This will be the first acquisition of majority interest in a profitable Indian bank by a foreign bank. On Friday, RBL Bank's shares ended over 4% higher at INR 324.60 on the National Stock Exchange.  End

 

Edited by Ashish Shirke

 

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