RBL Bank Limited — PPTs, 19-07-2025: Investor Presentation

**1. Financial Highlights:**

RBL Bank's Q1 FY26 Net Profit was Rs. 200 Cr (-46% YoY). Net Interest Income (NII) fell 13% YoY to Rs. 1,481 Cr, with NIM at 4.50%. Advances grew 9% YoY to Rs. 94,431 Cr, primarily in Secured Retail (+23% YoY). Deposits rose 11% YoY to Rs. 112,734 Cr. Net NPA improved to 0.45%, and capital remains healthy at 15.59%.

**2. Strategic Initiatives & Growth Drivers:**

Loan growth is driven by a strategic pivot towards Secured Retail and Commercial Banking (+32% YoY). The bank emphasizes granular deposit expansion (+16% YoY). Digital transformation via the 'RBL MyBank' app and strategic partnerships aims for enhanced efficiency and customer engagement.

**3. Business Developments:**

Retail advances grew 5% YoY, reflecting a shift from unsecured segments. Wholesale Banking expanded 15% YoY into niche areas, diversifying income streams. A broad physical and digital distribution network supports strong customer reach and service delivery.

**4. Market Position & Competitive Advantage:**

Digital strengths in UPI/IMPS processing and POS terminals provide a competitive edge. The bank's focused approach in niche wholesale segments and strong financial inclusion initiatives for women further differentiate its market standing, bolstered by consistent brand recognition.

**5. Investor Implications:**

Healthy capital and improved Net NPA signal positive growth potential. However, declining profitability (Net Profit, NII, NIM) and rising operating expenses present execution risk. Investors should monitor cost rationalization and loan mix for sustained earnings.