RBL Bank (RBLBANK) investor relations material

Macro environment and growth opportunities

• India remains the fastest-growing major economy, supported by a young workforce and significant headroom for credit expansion, with retail and bank credit to GDP ratios well below global peers.

• The India-UAE corridor is a strategic growth area, with bilateral trade surpassing $100bn for the second consecutive year and a target of $200bn by 2032, driven by strong remittance and non-oil trade flows.

• RBI maintained a neutral policy stance with the repo rate at 5.25% in August 2026, expecting inflation to remain within the 2%-6% tolerance band despite near-term pressures from food and fuel.

Strategic transformation and ownership

• Emirates NBD completed a $2.75bn primary infusion, acquiring a 60% stake and becoming the promoter, marking the largest FDI in Indian banking.

• RBL Bank is now a subsidiary of Emirates NBD, benefiting from strengthened governance, global best practices, and expanded international reach.

• The partnership enables deeper India-GCC network synergies, supporting trade, remittance, and capital flows.

Financial performance and capital position

• Market capitalization stands at $6.3bn, with total assets of $19.7bn and net profit of $34m for Q1 FY27.

• Capital adequacy is robust, with a CET1 ratio of 32.2% and CRAR of 33.3% post-infusion, supporting growth capacity.

• Asset quality improved, with GNPA at 1.3% and NNPA at 0.37%, and provision coverage at 89%.

• Liquidity coverage ratio consistently exceeds regulatory requirements, averaging above 130%.