RBL Bank Limited — PPTs, 17-01-2026: Investor Presentation

RBL Bank reported Q3 FY26 net profit of ₹214 Cr, impacted by a one-off ₹32 Cr pre-tax expense. Net Interest Income (NII) grew 5% YoY to ₹1,657 Cr, with core fee income up 10% YoY to ₹959 Cr. Operating profit rose 7% YoY to ₹912 Cr.

The bank saw robust 14% YoY growth in advances to ₹103,086 Cr, with wholesale advances climbing 21% YoY, especially strong in Commercial Banking (30% YoY). Retail advances grew 10% YoY. Deposits increased 12% YoY to ₹119,721 Cr, driven by 15% YoY growth in granular deposits. Digital transformation is a core focus, evident in improved app usage, API calls, and digital account openings, along with a surge in digital collections for MFI.

Recent developments include the launch of new credit cards (NOVA & LUMIÈRE), a multi-wallet Primario card, and new savings accounts like Revelio and Woman's First. Gross NPA improved to 1.88% (down 104 bps YoY), while Net NPA stood at 0.55%. Capital adequacy (CRAR) was healthy at 14.94%. The bank continues its focus on stable loan growth, retail deposit mobilization, and expanding digital channels.