Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q2 FY2027 Earnings Presentation
21 slides from Rbl Bank's earnings presentation, Oct 12, 2026
Slide 1: Investor Presentation Quarter Ended Sept 30, 2026
Investor Presentation Quarter Ended Sept 30,2026 Oct 12, 2026 (Subsidiary of Emirates NBD Bank P.J.S.C)
Slide 2: Disclaimer
Disclaimer By attending the meeting / telephonic call where this presentation is made, or by reading the presentation materials, you agree to be bound by the following limitations: The information in this presentation has been prepared by RBL Bank Limited (the “Company”) for use in presentations by
Slide 3: Key Highlights – Q2 FY27
Key Highlights – Q2 FY27 • Net Interest Income (NII) grew 37% YoY to Rs.21.31 bn; NIM was 4.61% Operating • Core Fee Income grew 12% YoY to Rs.10.40 bn Performance • Operating Profit grew 92% YoY to Rs.13.96 bn • Net Profit grew 170% YoY to Rs.4.82 bn • Net Advances grew by 42% YoY to Rs.1,423.14 bn
Slide 4: Financial Performance Summary
Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 21,309 10,774 32,083 10,396 16,544 9,327 9,594 15,507 9,264 9,233 26,139 24,834 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Operating Expenses PPOP/PAT Cost-Income
Slide 5: Financial Performance Summary
Financial Performance Summary GNPA/ NNPA Slippages PCR Credit Cost (bps) 54 54 63 2.32% 0.98% 75.92% 0.83% 0.77% 0.77% 1.30% 0.69% 51 0.64% 60 1.02% 72.00% 52 71.47% 0.57% 0.37% 0.29% 2 11 1 3 -0 2 -1 -7 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Q2FY26 -2 Q1FY27 Q2FY27 GNPA NNPA
Slide 6: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement Particulars Q2 FY 27 Q2 FY 26 Q1 FY 27 YoY Growth QnQ Growth Interest Income 43,221 35,075 38,402 23% 13% Interest Expense 21,912 19,568 21,858 12% 0% Net Interest Income 21,309 15,507 16,544 37% 29% Other Income 10,774 9,327 9,594 16% 12% Total Income 32,083 24,83
Slide 7: Standalone Balance Sheet
Standalone Balance Sheet Particulars Sept 2026 Sept 2025 June 2026 YoY Growth QoQ Growth Liabilities Capital 15.52 6.13 15.49 153% 0% Reserves and Surplus 417.86 154.17 413.28 171% 1% Deposits 1,562.72 1,166.67 1,248.29 34% 25% Borrowings 133.69 152.24 98.03 (12%) 36% Other Liabilities 93.66 60.66 8
Slide 8: Deposits Profile
Deposits Profile Deposit Composition (Average) 24% YoY Segment Composition (Average) Deposits EOP 34% YoY 1091.19 1293.62 1352.14 1091.19 1293.62 1352.14 1166.67 1248.29 1562.72 12% 10% 9% 15% 13% 13% 17% 16% 15% 35% 28% 38% 17% 14% 17% 72% 75% 76% 65% 72% 68% 71% 73% 62% Q2FY26 Q1FY27 Q2FY27 Q2FY26
Slide 9: Advances Profile
Advances Profile Net Advances Composition 42% YoY Wholesale Composition 56% YoY 1005.29 1162.23 1423.14 403.97 520.27 628.49 26% 24% 19% 32% 32% 31% 31% 36% 34% 68% 68% 69% 40% 45% 44% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 Wholesale Secured Retail Unsecured Retail Corporate Commercial 52% YoY Un
Slide 10: Asset Quality
Asset Quality Q1 FY27 Q2 FY27 Wholesale Credit JLG Secured Total Wholesale Credit JLG Secured Total Cards & Retail Cards & Retail Personal Personal Loans Loans Opening Balance 3.25 2.92 4.77 5.81 16.75 2.84 3.02 3.04 6.32 15.22 (+) Additions during 0.03 7.39 0.57 1.41 9.40 0.13 6.58 0.75 1.48 8.94 t
Slide 11: Distribution Network
Distribution Network Branches BC Branches ATMs Customers 628 1326 422 15.05 Mn 600+ districts, servicing 18,000+ pincodes Branch Network Chandigarh 4 BANK LEVEL DEPOSIT COMPOSITION New Delhi 58 Metro & GIFT 16 2 1132.68 72% 20 2 Urban 17 26 1 295.12 19% 6 19 2 22 Semi-Urban 42 5 97.24 6% 6 Dadra & 1
Slide 12: Retail Banking
Retail Banking Retail Liabilities - Average in Rs. bn Retail Assets in Rs. bn 38% YoY 32% YoY 794.65 601.31 641.96 727.49 479.27 554.93 Share of 56% 226.97 244.69 246.34 Total Net 60% 55% Advances 59% 55% Q2FY26 Q1FY27 Q2FY27 Q2FY26 Q1FY27 Q2FY27 CASA TD Core Retail Fee Income in Rs. mn Retail Disbu
Slide 13: Credit Cards - Portfolio Trends
Microfinance Distribution Network Credit Cards - Portfolio Trends Cards in Force and New Acquisition (Mn) 4.65 4.72 4.47 0.39 0.34 0.21 Q2'FY26 Q1'FY27 Q2'FY27 Cards in Force Acquisition Total Spends (Rs. In bn) Gross AUM (Rs. In bn) 211.68 214.31 212.82 197.07 192.14 208.89 18% 18% 17% 24% 24% 24%
Slide 14: Wholesale Banking
Wholesale Banking Gross Advances EOP Wholesale Liabilities in Rs. Bn. Contribution (Q2FY27) 429.27 437.26 432.02 Commercial 110.48 138.29 139.77 Financial Other niche Corporates and Supply Institutions segments Chain 318.80 298.97 292.25 44% 31% 15% 11% Q2FY26 Q1FY27 Q2FY27 Corporate Banking Commerc
Slide 15: ESG
ESG
Slide 16: ESG @ RBL - Grow Sustainably..
ESG @ RBL - Grow Sustainably.. Sustainability continues to be at the core of what we do and make it an integral part of our business practices, including Risk Management practices. Achieved a CRISIL ESG Score of 71, entering the Financial literacy: CRISIL ESG Leadership Band. • Bank conducts digital
Slide 17: Digital Banking Updates
Digital Banking Updates
Slide 18: Digital Banking Snapshot
Digital Banking Snapshot… ~97 mn 4.3 Q2 - Monthly Avg Transaction Volume (Inward/Outward) $2.1 bn Mobile App Ratings Value processed in D2C Q2 FY 27 under RDA. 12% 82% 6% (33% growth vs Q1 FY 27) IMPS UPI RTGS & NEFT 100% ~ 0.21 mn 5 L+ 19.9 k Files processed in Q2 through Average Daily API Calls Cr
Slide 19: Annexures
Annexures
Slide 20: Historical Performance
Historical Performance Particulars FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 FY26 HY1FY27 Net Worth 42.42 65.44 73.36 102.90 122.54 120.06 129.96 142.06 149.30 160.14 427.97 Deposits 345.88 439.02 583.94 578.12 731.21 790.07 848.87 1034.94 1109.44 1390.18 1562.72 Advances (Net) 294.49 402.68 54
Slide 21: Thank you
Thank you 21