Investor Presentation

RBL Bank delivered a strong Q4 FY26 with a net profit of Rs. 230 Cr, contributing to a full-year profit of Rs. 822 Cr (up 18% YoY). Net Interest Income (NII) grew 7% YoY to Rs. 1,671 Cr, and core fee income increased 9% YoY.

The bank saw robust total business expansion of 24% YoY, reaching Rs. 253,250 Cr.

Advances climbed 23% YoY to Rs. 114,232 Cr, propelled by a 36% jump in secured retail advances.

Deposits mirrored this strength, rising 25% YoY to Rs. 139,018 Cr.

Asset quality improved significantly, with Gross NPA dropping to 1.45% (down 115 bps YoY) and Net NPA at 0.39%. Driving growth through digital initiatives, the bank expanded its API capabilities (260+ APIs) and forged new payment aggregator partnerships.

Q4 saw robust retail disbursals of Rs. 9,103 Cr, a 98% YoY increase.

ESG is a core strategic focus, targeting 30% women representation by 2027 and carbon neutrality by FY 2034. The continuous digital enhancements and improving financial health underscore a positive outlook for sustainable expansion.