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RBL Bank Results: Latest Quarterly Results & Analysis

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RBL Bank Ltd. 20 Oct 2025 15:09 PM
Result PDF

Q2FY26 Quarterly Result Announced for RBL Bank Ltd.

RBL Bank announced Q2FY26 results

Q2FY26 Financial Highlights:

  • Net Profit for Q2FY26 was Rs 179 crore; impacted by MTM of Rs 44 crore (pre-tax) on unlisted equities basis their latest audited financial statements.
  • Operating profit for Q2FY26 grew 4% QoQ to Rs 728 crore.
  • Net Interest Income (NII) for Q2FY26 grew 5% QoQ to Rs 1,551 crore, NIM was at 4.51%.
  • Core Fee Income for Q2FY26 grew 17% QoQ to Rs 926 crore.
  • Operating Expenses for Q2FY26 de-grew 5% QoQ to Rs 1,755 crore.
  • Cost to Income for Q2FY26 was 70.7%.
  • Total Deposits grew 8% YoY and 3% QoQ to Rs 1,16,667 crore.
  • CASA grew 3% YoY and 2% QoQ to Rs 37,169 crore. CASA ratio at 31.9%.
  • CASA TD < Rs 3 crore at 65% of Total Deposits.
  • Net Advances grew 14% YoY and 6% QoQ to Rs 1,00,529 crore; Retail: Wholesale advances mix at 60:40.
  • Total capital adequacy is 15.02% as of September 30, 2025 vs 15.59% as of June 30, 2025; CET-1 was 13.51% as of September 30, 2025 vs 14.05% as of June 30, 2025.
  • Average Liquidity Coverage Ratio for Q2FY26 it was 127%.
  • Gross NPA ratio as of September 30, 2025 was 2.32% vs 2.78% as at June 30, 2025.
  • Net NPA ratio as of September 30, 2025 was 0.57% vs. 0.45% as at June 30, 2025.
  • Provision Coverage Ratio including technical write offs was 92.74%. 

Result PDF

Result PDF

RBL Bank announced Q1FY26 results

  • Net Profit for Q1FY26 was Rs 200 crore o Operating profit for Q1FY26 de-grew 18% YoY to Rs 703 crore, mainly due to lower unsecured advances and repo rate cut.
  • Net Interest Income (NII) for Q1FY26 de-grew by 13% YoY to Rs 1,481 crore, NIM was 4.50%.
  • Other Income for Q1FY26 grew 33% YoY to Rs 1,069 crore o Operating Expenses for Q1FY26 grew 12% to Rs 1,847 crore.
  • Cost to Income for Q1FY26 at 72.4% o Net Total Income for Q1FY26 grew 2% YoY to Rs 2,550 crore.
  • Deposits Growth predicated on Granular Retail Deposits:
    • Total Deposits grew 11% YoY to Rs 112,734 crore.
    • CASA grew 11% YoY to Rs 36,614 crore. CASA ratio at 32.5%.
    • Granular Deposits i.e. deposits less than Rs 3 crore grew 16% YoY & 5% QoQ to Rs 57,934 crore; at 51.4% of total deposits
  • Advances Growth with focus on secured retail assets & commercial banking:
    • Net Advances grew 9% YoY to Rs 94,431 crore.
    • Secured Retail Advances grew 23% YoY.
    • Retail Advances book grew 5% YoY to Rs 56,625 crore.
    • Commercial Banking grew 32% YoY.
    • Retail: Wholesale advances mix at 60:40.
  • Well capitalized for medium term growth with healthy liquidity:
    • Total capital adequacy improved 3bps YoY to 15.59% vs 15.56% as of 30th June 2024; Common Equity Tier 1 (CET 1) ratio improved 20bps YoY to 14.05% vs 13.85% as of 30th June 2024.
    • Average Liquidity Coverage Ratio for Q1FY26 it was 152%
  • Asset Quality Trend:
    • Gross NPA ratio as at 30 th June 2025 at 2.78% vs 2.69% as at 30th June 2024.
    • Net NPA ratio as at 30 th June 2025 at 0.45% vs. 0.74% as at 30th June 2024.
    • Overall Provision Coverage Ratio including technical write offs was 94.2%.
    • The total provisions of the Bank including specific, general and contingent provision at 105% of GNPA.
  • Expanding Distribution Presence:
    • As of 30st June 2025, the Bank has 2,036 total touchpoints of which 562 are bank branches and 1,474 business correspondent branches. Of 1,474 BC branches, 297 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 1,167 business correspondent branches.

R Subramaniakumar, MD & CEO, RBL Bank said: “We have navigated a challenging environment with resilience and discipline, delivering strong momentum in secured retail and commercial banking while deepening our granular deposit base. During Q1FY26, slippages in the JLG portfolio have moderated, with SMA levels reverting to Q1FY25 level. The core engine remains robust—anchored in disciplined execution, profitability-driven growth, and a sharp customer focus. We are pleased to report steady performance this quarter and continued progress on our key priorities”.

Result PDF

RBL Bank announced 9MFY25 & Q3FY25 results

Q3FY25 Financial Highlights:

  • NII grew 3% YoY Rs 1,585 crore; NIM at 4.90%.
  • Other Income grew 38% YoY to Rs 1,073 crore; Core Fee grew 19% YoY to Rs 871 crore.
  • Operating Expenses grew 7% YoY to Rs 1,662 crore; Cost to Income ratio improved to 62.5% vs 67.1% for Q3FY25.
  • Operating profit grew 30% YoY to Rs 997 crore.
  • During Q3FY25, there was tax provision writeback of Rs 150 crore due to favourable appellate orders for past years.
  • Bank on prudent basis made additional provision of Rs 414 crore on Gross NPAs of Joint Liability Group (JLG) portfolio taking total NPA provision on this portfolio to 85%.
  • After above additional provision, Net Profit was Rs 33 crore.
  • Net Advances grew 13% YoY to Rs 90,412 crore.
  • Retail Advances grew by 19% YoY to Rs 55,199 crore; Retail: Wholesale mix was 61:39; Secured Retail advances grew 38% YoY.
  • Total Deposits grew 15% YoY to Rs 106,753 crore; CASA Ratio at 32.8%.
  • Granular Deposits i.e. deposits less than Rs 3 crore grew faster at 20% YoY and 3% QoQ to Rs 53,719 crore; at 50.3% of total deposits.
  • Including 9MFY25 profits, total capital adequacy was 15.4% vs 16.4% as of 31st December 2023; CET 1 was 13.7% vs 14.6% as of 31st December 2023.
  • Average LCR for Q3FY25 was 143%.
  • GNPA down 20 bps YoY to 2.92%; NNPA down 26 bps YoY to 0.53%.
  • Overall Provision Coverage Ratio including Technical Write off was 93.46%.

9MFY25 Financial Highlights:

  • NII grew 10% YoY Rs 4,900 crore; NIM at 5.19%.
  • Other Income grew 29% YoY to Rs 2,806 crore.
  • Core Fee grew 20% YoY to Rs 2,461 crore.
  • Operating Expenses grew 11% YoY to Rs 4,941 crore; Cost to Income ratio improved YoY to 64.1% vs 67.6% for 9MFY25.
  • Operating profit grew 29% YoY to Rs 2,766 crore.
  • Net Profit at Rs 627 crore; Annualised ROA at 0.61%; Annualised ROE at 5.44%.

R Subramaniakumar, MD & CEO, RBL Bank said: “We remain cautious about the short-term challenges emanating from macro-economic environment affecting certain unsecured lending segments. We continue to demonstrate strong growth in chosen areas of secured retail & commercial banking on asset side and granular deposits on liability side. Our core business remains robust and disciplined focus on growth with profitability and customer-centric approach continues to drive meaningful progress. Overall, we are happy to deliver yet another quarter of robust operating performance and growth in business”.

Result PDF

RBL Bank announced H1FY25 & Q2FY25 results

Financial Highlights:

  • Financial Performance:
    • Net Interest Income (NII) for H1FY25 grew 14% YoY to Rs 3,315 crore, NIM for H1FY25 was 5.35%; NII for Q2FY25 grew 9% YoY to Rs 1,615 crore, NIM for Q2FY25 was 5.04%.
    • Other Income for H1FY25 grew 25% YoY to Rs 1,733 crore; For Q2FY25 it was up 32% YoY to Rs 927 crore.
    • Core Fee Income for H1FY25 grew 21% YoY to Rs 1,591 crore; For Q2FY25 it was up 21% YoY to Rs 822 crore.
    • Operating Expenses for H1FY25 grew 13% to Rs 3,279 crore; For Q2FY25 it was up 13% YoY to Rs 1,632 crore.
    • Cost to Income improved 289 bps YoY to 65.0% vs 67.8% for H1FY24, Cost to Income ratio for Q2FY25 was 64.2% vs 66.5% for Q2 FY24.
    • Total Revenue for H1FY25 grew 18% YoY to Rs 5,048 crore; For Q2FY25 it grew 17% YoY to Rs 2,542 crore.
    • Operating profit for H1FY25 grew 28% YoY to Rs 1769 crore; For Q2FY25 it grew 24% YoY to Rs 910 crore.
    • Net Profit for H1FY25 grew 2% YoY to Rs 594 crore; It was Rs 223 crore for Q2FY25.
    • ROA for H1FY25 was 0.88% & ROE was 7.79%; ROA for Q2FY25 was 0.64% & ROE was 5.76%
  • Deposits:
    • Total Deposits grew 20% YoY to Rs 107,959 crore.
    • CASA grew 13% YoY to Rs 36,224 crore. CASA ratio at 33.6%.
    • Granular Deposits i.e. deposits less than Rs 3 crore grew 22% YoY & 4% QoQ to Rs 52,223 crore; at 48.4% of total deposits
  • Advances:
    • Net Advances book grew 15% YoY to Rs 87,882 crore.
    • Retail Advances book grew 24% YoY to Rs 54,723 crore o Retail: Wholesale advances mix at 62:38.
    • Retail disbursement for H1FY25 was Rs 8,400 crore vs Rs 9,788 for H1FY24; For Q2FY25 it was Rs 4,248 crore vs Rs 4,152 crore for Q2 FY24.
    • Housing loans grew 56% YoY; Rural vehicle finance grew 58% YoY.
    • Commercial Banking grew 17% YoY.
    • Total customers at 16.06 million as of 30th Sep 2024 vs 14.31 million as of Q2FY24, an increase of 1.75 million in a year
  • Capital:
    • Overall capital adequacy including H1FY25 profits improved to 15.9% vs 15.6% as of Q1FY25; Common Equity Tier 1 (CET 1) ratio improved to 14.2% vs 13.8% as of Q1FY25.
    • Average Liquidity Coverage Ratio for H1FY25 was 133%; For Q2FY25 it was 129%
  • Asset Quality Trend:
    • Gross NPA ratio improved to 2.88% vs 3.12% as at 30 th Sep 2023, improved by 25 bps in a year.
    • Net NPA ratio at 0.79% vs. 0.78% as at Q2FY24, up 1 bps in a year.
    • Provision Coverage Ratio including technical write offs was 89.35%.
    • Credit cost for H1FY25 was 140 bps; It was 80 bps for Q2FY25.
    • The total provisions of the Bank including specific, general and contingent provision at 102% of GNPA
  • As of 30 th September 2024, the Bank has 1,882 total touchpoints of which 550 are bank branches and 1,332 business correspondent branches. Of 1,332 BC branches, 297 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 1,024 business correspondent branches.

R Subramaniakumar, MD & CEO, RBL Bank said: “We are pleased to report another quarter of steady financial performance, demonstrating progress towards our strategic objectives. While we remain mindful of certain near-term challenges, our core operations continue to show resilience. Our cross-sell initiatives and ‘One Bank’ approach are beginning to deliver tangible results, enhancing customer engagement across multiple product lines.”

Result PDF

RBL Bank announced Q1FY25 results:

  • Operating profit grew 33% YoY to Rs 859 crore
  • Net Profit grew 29% YoY to Rs 372 crore
  • ROA at 1.14%; ROE at 9.88%
  • Net Advances grew 19% YoY to Rs 86,704 crore
  • Retail Advances grew by 31% YoY to Rs 53,737 crore; Retail: Wholesale mix was 62:38
  • Retail Disbursements for Q1 FY25 was Rs 4,152 crore
  • 3.2 lakh new customers added during the quarter
  • Total Deposits grew 18% YoY to Rs 101,352 crore; CASA Ratio at 32.6%
  • Deposits less than Rs 3 crore grew faster at 25% YoY & 5% QoQ to Rs 49,980 crore; at 49.3% of total deposits
  • Overall Capital Adequacy including Q1 FY25 profits was 15.56%; CET 1 was 13.85%
  • Average LCR was 137%
  • GNPA down 53bps YoY to 2.69%; NNPA down 26 bps YoY to 0.74%
  • Provision Coverage Ratio including Technical Writeoff was 90.0%

In reflecting on this quarter's achievements, R Subramaniakumar, MD&CEO, RBL Bank remarked, “We are pleased to report another period of stable financial performance. Our performance continues to track our stated goals, with our execution starting to deliver promising outcomes. We are seeing early results from our strategic initiatives.”

Result PDF

RBL Bank announced Q4FY24 & FY24 results:

Q4FY24 Financial Highlights:

  • Operating profit grew 49% YoY & 16% QoQ to Rs 887 crore Net Profit grew 30% YoY & 51% QoQ to Rs 353 crore
  • ROA of above 1% for last 5 quarters (excluding contingency provision created on AIF investments in Q3FY24)
  • Q4 ROA at 1.08%; ROE at 9.73%
  • Net Advances grew 20% YoY & 5% QoQ to Rs 83,987 crore
  • Retail Advances grew at faster pace; grew by 30% YoY & 6% QoQ to Rs 49,147 crore; Retail: Wholesale mix was 59:41
  • Retail Disbursements for Q4FY24 was Rs 6,163 crore; of which Rs 2,009 crore was towards new secured retail products
  • 6 lakhs new customers added during the quarter
  • Total Deposits grew 22% YoY & 12% QoQ to Rs 1,03,494 crore; CASA Ratio at 35.2%
  • Deposits less than 2 crore grew 24% YoY & 6% QoQ to Rs 43,753 crore; at 42.3% of total deposits.
  • Overall Capital Adequacy was 16.18%; CET 1 was 14.38%.
  • Average LCR was 140%
  • GNPA down 72bps YoY & 46bps QoQ to 2.65%; NNPA down 36 bps YoY & 6bps QoQ to 0.74%
  • Provision Coverage Ratio including Technical Writeoff was 89.8%

FY24 Financial Highlights:

  • Operating profit grew 38% YoY to Rs 3,031 crore
  • As per RBI directions dated 19th December 2023; Bank had created contingent provision of Rs 115 crore on AIF investments in Q3 FY24
  • Excluding this contingent provision, Net Profit grew 42% YoY to Rs 1,253 crore; Reported Net Profits grew 32% YoY to Rs 1,168 crore
  • Excluding this contingent provision, ROA was 1.03% vs 0.83% for FY23; Reported ROA was 0.96% for FY24
  • Retail Disbursements for FY24 was Rs 21,909 crore vs Rs 12,903 crore for FY23; of which Rs 7,478 crore was towards new secured retail products in FY24
  • 27 lakhs new customers added during FY24

In reflecting on this quarter's achievements, R Subramaniakumar, MD&CEO, RBL Bank remarked, “We're pleased to report another period of robust financial performance. Our advances and deposits have shown substantial growth, with a notable improvement in operating leverage. We're witnessing the fruition of our strategic initiatives, as momentum builds and our efforts in various areas yield promising results.”

Result PDF

RBL Bank announced Q3FY24 results:

Financial Highlights:

  • Operating Profit increased to Rs 765 crore, a growth of 35% YoY and 5% QoQ.
  • Net Advances escalated to Rs 79,949 crore, marking a 20% YoY and 5% QoQ upsurge.
  • Retail Advances saw a significant 33% YoY and 5% QoQ rise to Rs 46,371 crore.
  • Total Deposits grew by 13% YoY to Rs 92,746 crore with a 3% QoQ growth.
  • CASA Deposits are at Rs 31,338 crore, reflecting a 5% YoY increase.
  • CASA Ratio stands at 33.8%, a decrease from 36.6% as of December 31, 2022.
  • Net Interest Income (NII) reached Rs 1,546 crore, a 21% YoY and a 5% QoQ growth.
  • Other Income showed an increase to Rs 778 crore, 26% YoY and 10% QoQ up.
  • Net Total Income grew by 23% YoY and 7% QoQ to Rs 2,323 crore.
  • Net Profit (excluding contingent provision on AIF investments) rose to Rs 319 crore, a 53% YoY and 9% QoQ increase; Reported Net Profits were at Rs 233 crore, up by 12% YoY.
  • Net Interest Margin (NIM) was stable at 5.52%, compared to 5.27% in Q3FY23.
  • Cost to Income Ratio improved to 67.1% from 70.1% in Q3FY23.
  • ROA (excluding contingent provision) was at 1.03%, up from 0.78% in the same quarter last year; Reported ROA stood at 0.75% for Q3FY24.
  • ROE (excluding contingent provision) was at 8.89%, for the reported period.
  • Gross NPA ratio improved to 3.12%, a decrease from 3.61% as of December end of the previous year.
  • Net NPA ratio improved to 0.80%, down from 1.18% as of December end of the previous year.
  • Provision Coverage Ratio including technical write-offs improved to 89.3% from 84.7% as of December end of the previous year.
  • Capital Adequacy Ratio stood at 16.4% with a CET1 of 14.6%.

Growth and Expansion:

  • Credit Card Issuance: 5.75 lakh new credit cards were issued this quarter.
  • Customer Acquisition: 6.60 lakh new customers were added during the quarter.
  • Small Deposits (< Rs 2 crore) increased by 23% YoY to Rs 41,275 crore, contributing to 44.5% of total deposits.
  • Branch and ATM Network: The Bank operates through 538 bank branches, 1,217 business correspondent branches, and 388 ATMs across the country.

Commenting on the performance, R Subramaniakumar, MD & CEO, RBL Bank said, “We are happy to announce another quarter of strong financial performance. Our advances & deposits have experienced robust growth with a granularity of both sides of the Balance Sheet catching pace. As per our plan, the Profitability growth has outpaced the Balance Sheet growth. Notably, our execution of strategic goals, have contributed to our performance. We remain well capitalised to take advantage of growth opportunities”.

 

 

 

Result PDF

RBL Bank announced Q2FY24 results:

1. Financial Performance:
- Net profit increased by 46% YoY and 2% QoQ to Rs 294 crore.
- Operating profit grew by 43% YoY and 13% QoQ to Rs 731 crore.
- Total revenue increased by 24% YoY and 3% QoQ to Rs 2,179 crore.
- Net interest income increased by 26% YoY and 4% QoQ to Rs 1,475 crore.
- Other income increased by 21% YoY and 3% QoQ to Rs 704 crore.
- Cost to income ratio improved to 66.5% compared to 69.3% in Q1 FY24 and 70.8% in Q2 FY23.

2. CASA and Deposits Growth:
- CASA grew by 12% YoY and 1% QoQ to Rs 32,089 crore.
- Total deposits grew by 13% YoY and 5% QoQ to Rs 89,780 crore.
- Retail deposits (as per LCR definition) grew by 19% YoY and 4% QoQ to Rs 39,706 crore.

3. Advances Growth:
- Net advances book grew by 21% YoY and 4% QoQ to Rs 76,324 crore.
- Retail advances book grew by 35% YoY and 8% QoQ to Rs 44,092 crore.
- Retail disbursement for Q2 FY24 was Rs 4,300 crore.
- Housing loans grew by 43% YoY, while rural vehicle finance grew by 167% YoY.

4. Asset Quality:
- Gross NPA ratio improved to 3.12% compared to 3.22% as of June 30, 2023, and 3.80% as of September 30, 2022.
- Net NPA ratio improved to 0.78% compared to 1.00% as of June 30, 2023, and 1.26% as of September 30, 2022.
- Provision coverage ratio, including technical write-offs, was 88.4% compared to 85.9% as of June 30, 2023, and 84.3% as of September 30, 2022.

5. Capital and Liquidity:
- Overall capital adequacy was 17.07% compared to 16.68% as of June 30, 2023.
- Common Equity Tier 1 ratio was 15.15% compared to 15.05% as of June 30, 2023.
- Average Liquidity Coverage Ratio was at 142%.
 

 

 

Result PDF

RBL Bank announced Q1FY24 results:

  • Net Profit grew 43% YoY & 6% QoQ to Rs 288 crore
  • ROA of 1.01% vs 1.00% for Q4 FY23
  • Operating profit grew 22% YoY & 9% QoQ to Rs 647 crore
  • Total Revenue grew 18% YoY and 2% QoQ to Rs 1,932 crore
  • Net Interest Income grew 21% YoY and 3% QoQ to Rs 1,246 crore; NIM was 4.84% vs 4.36% for Q1FY23
  • Other Income grew 12% YoY and 2% QoQ to Rs 685 crore
  • Cost to Income was 66.5% vs 68.5% for Q4FY23 and 67.8% for Q1FY23
  • CASA grew 12% YoY and 1% QoQ to Rs 31,927 crore. CASA ratio at 37.3% vs. 36.0% as of 30th June 2022
  • Total deposits grew 8% YoY and 1% QoQ to Rs 85,636 crore
  • Retail Deposits (as per LCR definition) grew 19% YoY and 3% QoQ to Rs 37,400 crore
  • Net Advances book grew 21% YoY and 4% sequentially to Rs 73,087 crore
  • Retail Advances book grew 34% YoY and 8% sequentially to Rs 40,866 crore
  • Retail disbursement for Q1FY24 at Rs 4,100 crore
  • Total customers at 13.65 million vs 11.30 million in Q1FY23, an increase of 2.35 million
  • Overall capital adequacy was 16.68% and the Common Equity Tier 1 ratio was 15.05%
  • Average Liquidity Coverage Ratio at 129%
  • Gross NPA ratio improved to 3.22% vs. 3.37% as of 31st March 2023 and 4.08% as of 30th June 2022, improved by 87 bps in a year
  • Net NPA ratio improved to 1.00% vs. 1.10% as of 31st March 2023 and 1.16% as of 30 th June 2022, improved by 16 bps in a year
  • Provision Coverage Ratio including technical write offs was 85.9% vs 85.0% as of 31st March 2023
  • Credit cost 39 bps against 29 bps in Q4FY23 and 43 bps in Q1FY23
  • As of 31 st March 2023, the Bank has 520 bank branches and 1,115 business correspondent branches, of which 298 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 795 business correspondent branches

Commenting on the performance, R Subramaniakumar, MD & CEO, RBL Bank said, “We have started FY24 with strong operating performance on all parameters. The advanced growth was healthy with strong disbursals continuing in the retail segment. We have further improved our granular deposits, in line with our laid-out strategy. Our revenue has grown faster than operating expenses driven by the optimisation of a few cost lines. Owing to this, the Bank saw strong growth in Operating Profits and PAT. We are confident of continuing this healthy performance in upcoming quarters. New initiatives undertaken in the last Financial Year on newly secured product launches and scale-up of granular retail products have picked up pace. We have also seen traction in cross-sell with existing customers contributing meaningfully now towards advances and deposits. Our asset quality parameters have remained stable. Our healthy capital position provides us with a good runway for growth.”

 

 

Result PDF

 RBL Bank announced Q3FY23 results:

  • Q3FY23:
    • Steady operating performance:
      • Net Profit grew 34% YoY to Rs 209 crore
      • Operating profit was Rs 567 crore
      • Total Revenue grew 11% YoY to Rs 1,767 crore
      • Net Interest Income grew 14% YoY to Rs 1,148 crore; NIM was 4.74%
      • Other Income grew 6% YoY to Rs 618 crore
      • Cost to Income was 67.9%
    • CASA and Deposits Growth:
      • Total deposits grew 11% YoY to Rs 81,746 crore
      • CASA grew 18% YoY to Rs 29,948 crore. CASA ratio at 36.6% vs. 34.4% as at Q3FY22
      • Retail Deposits (as per LCR definition) grew 25% YoY to Rs 34,769 crore
    • Advances Growth:
      • Net Advances book grew 15% YoY and 6% sequentially to Rs 66,684 crore
      • Retail Advances book grew 13% YoY and 7% sequentially to Rs 34,977 crore
      • Retail: Wholesale mix at 52:48
    • Well capitalized with sound liquidity:
      • Overall capital adequacy (including 9MFY23 profits) was 17.0% and Common Equity Tier 1 ratio was 15.5%
      • Average Liquidity Coverage Ratio at 144%
    • Asset quality:
      • Gross NPA ratio improved to 3.61% vs. 3.80% as at Q2FY23 and Net NPA ratio was 1.18% vs. 1.26% as at Q2FY23
      • Provision Coverage Ratio including technical write offs was 84.7% vs 84.3% as at Q2FY23.
    • Network
      • As of Q3FY23, the Bank has 516 bank branches and 1,168 business correspondent branches, of which 298 are banking outlets. RBL Finserve Limited (“RBL Finserve”), a 100% subsidiary of the Bank, accounts for 821 business correspondent branches

Commenting on the performance, Mr. R Subramaniakumar, MD&CEO, RBL Bank said “We have had another quarter of improving operating performance and we are confident of continuing this trend in coming quarters. Our Business growth, driven by granular advances and deposits growth, continues to improve, in line with our strategy and execution. Our initiatives over the last six months on new product launches, and scale up of granular retail products are also starting to bear fruit. As these products scale up, we expect growth to become more broad based. Our asset quality and capital position continues to be healthy giving us the runway to accelerate profitable growth of the balance sheet."

 

Result PDF

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Disclaimer – I ICICI Securities Ltd. ( I-Sec). Registered office of I-Sec is at ICICI Securities Ltd. - ICICI Venture House, Appasaheb Marathe Marg, Prabhadevi, Mumbai - 400 025, India, Tel No : 022 - 6807 7100. I-Sec is acting as a distributor to solicit bond related products. All disputes with respect to the distribution activity, would not have access to Exchange investor redressal forum or Arbitration mechanism. The contents herein above shall not be considered as an invitation or persuasion to trade or invest. I-Sec and affiliates accept no liabilities for any loss or damage of any kind arising out of any actions taken in reliance thereon. Investments in securities market are subject to market risks, read all the related documents carefully before investing. The contents herein mentioned are solely for informational and educational purpose.
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