RBL Bank Limited — PPTs, 25-04-2025: Investor Presentation

### Financial Highlights

RBL Bank reported a net profit of ₹69 crore for Q4 FY25, down from ₹353 crore in the same quarter last year, primarily due to 100% provisioning on GNPA in the JLG segment. Net Interest Income (NII) decreased by 2% YoY to ₹1,563 crore, with a Net Interest Margin (NIM) of 4.89%. Other Income saw a robust 14% YoY growth, reaching ₹1,000 crore. Total business crossed ₹2 lakh crore, with advances growing 10% YoY to ₹92,618 crore, driven by retail advances, which increased by 13% YoY. Deposits also grew 7% YoY to ₹110,944 crore, supported by a CASA ratio of 34.1%.

### Strategic Initiatives and Growth Drivers

The bank is focusing on retail-led loan growth, with significant advances in secured retail loans. Granular deposits, defined as accounts under ₹3 crore, surged 16% YoY, constituting nearly 50% of total deposits. The capital adequacy ratio stood strong at 15.54%, indicating robust financial health and capacity for growth.

### Business Developments

In terms of asset quality, Gross Non-Performing Assets (GNPA) improved, declining to 2.60%, while Net NPA was recorded at 0.29%. The provisioning coverage ratio now sits at 89.02%, reflecting a proactive approach to managing credit risks.

### Market Position and Competitive Advantage

RBL Bank continues to maintain a diversified and growing customer base, with a strong digital banking framework enhancing customer experience and operational efficiency.

### Investor Implications

Investors should observe RBL Bank's strategic focus on retail lending and prudent risk management, which positions it for potential growth amidst a challenging economic landscape.