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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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RBL Bank (RBLBANK) investor relations material
RBL Bank Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 25/26 earnings summary19 Jul, 2025
Executive summary
Net profit for Q1 FY26 was ₹200 crore, down 46% year-over-year but up 192% sequentially, with strong treasury and corporate banking performance offsetting retail banking losses.
Advances grew 9% year-over-year to ₹94,431 crore, led by secured retail and commercial banking; deposits increased 11% year-over-year to ₹112,734 crore.
Granular retail deposits grew 16% year-over-year and 5% sequentially, now constituting 51.4% of total deposits.
Net interest income declined 13% year-over-year to ₹1,481 crore, while other income rose 33% year-over-year to ₹1,069 crore.
Focus on cost efficiency, risk management, digital transformation, and ESG initiatives.
Financial highlights
Net advances reached ₹94,343 crore, retail advances at ₹56,625 crore; retail/wholesale mix now 60:40.
CASA ratio at 32.5%, with CASA deposits at ₹36,614 crore.
NIM for Q1 FY26 was 4.5%, down from 5.67% year-over-year.
Cost-to-income ratio increased to 72.4% in Q1 FY26 from 65.7% year-over-year.
PAT for the quarter at ₹200 crore; provisions were ₹442 crore, up 21% year-over-year but down 44% sequentially.
Outlook and guidance
Margins expected to stabilize in Q2 and improve from Q3 as repricing impacts subside and deposit costs decline.
Cost growth for the year projected to be at or below advances growth; OpEx growth expected to moderate from Q3.
ROA targeted at 1% exit annualized in Q4; mid-teens loan growth expected for FY26.
Deposit rate cuts and OpEx rationalization expected to yield results from Q2 FY26 onwards.
What drives margin recovery to 4.8% by Q4?
Long-term impact of portfolio mix shift on risk?
Detail OpEx rationalization initiatives and impact
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Next RBL Bank earnings date
Q2 25/2619 Oct, 2025
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