Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q3 FY26 Earnings Presentation
49 slides from Rbl Bank's earnings presentation, Jan 17, 2026
Slide 1: Exchange filing cover letter
January 17, 2026 BSE Limited, National Stock Exchange of India Limited, 1st Floor, Phiroze Jeejeebhoy Towers, Exchange Plaza, C-1, Block G, Dalal Street, Bandra Kurla Complex, Bandra (E), Mumbai – 400001 Mumbai -400051 Scrip Code: 540065 Scrip Name: RBLBANK Reg: Disclosure under relevant provisions
Slide 2: Investor Presentation Quarter Ended December 31, 2025
Investor Presentation Quarter Ended December 31,2025 January 17,2026
Slide 3: 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 4: Key Highlights
Key Highlights • Net Profit at Rs. 214 crore for Q3 FY26 impacted by one off expenses of Rs. 32 crore (pre-tax) on account of revision in definition of wages under New Labour Codes effective November 21, 2025 Operating • Net Interest Income (NII) for Q3 FY26 grew 5% YoY to Rs. 1,657 crore; NIM was 4
Slide 5: Financial Performance Summary
Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 1,073 1,069 1,050 968 926 959 2,708 1,657 1,000 871 2,658 1,585 1,563 1,551 933 2,563 2,550 1,481 793 2,483 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY2
Slide 6: Financial Performance Summary
Financial Performance Summary GNPA/ NNPA Slippages PCR Credit Cost (bps) 1.50% 139 93 50 54 64 89.02% 84.03% 2.92% 2.78% 82.17% 0 2.60% 1.21% 1.18% 1.15% 75.92% 71.09% 2.32% 0.98% 0 1.88% 0.99% 0.91% 0.81% 0.77% 0.71% 4 132 5 0.53% 0.57% 0.55% 108 7 0.29% 0.45% 41 50 56 6 3 0 1 Q3FY25 Q4FY25 Q1FY26
Slide 7: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement Particulars Q3 FY 26 Q3 FY 25 Q2 FY 26 YoY Growth QoQ Growth Interest Income 3,667 3,536 3,507 4% 5% Interest Expense 2,010 1,951 1,957 3% 3% Net Interest Income 1,657 1,585 1,551 5% 7% Net Interest Margin 4.63% 4.90% 4.51% Other Income 1,050 1,073 933 (2%) 13% Cor
Slide 8: Standalone Balance Sheet
Standalone Balance Sheet Particulars December 2025 December 2024 September 2025 YoY Growth QoQ Growth Liabilities Capital 617 608 613 2% 1% Reserves and Surplus 15,719 14,908 15,417 5% 2% Deposits 1,19,721 1,06,753 1,16,667 12% 3% Borrowings 14,876 12,791 15,224 16% (2%) Other Liabilities 6,357 5,84
Slide 9: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q3 FY26 Q3 FY25 Q2 FY26 YoY Growth QoQ Growth Income Interest Earned 3,667 3,537 3,508 4% 5% Interest Expended 2,009 1,951 1,956 3% 3% Net Interest Income 1,658 1,585 1,552 5% 7% Other Income 1,051 1,074 934 (2%) 13% Total Income 2,709 2,659 2,485 2%
Slide 10: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars December 2025 December 2024 September 2025 YoY Growth QoQ Growth Liabilities Capital 617 608 613 2% 1% Reserves and Surplus 15,824 14,952 15,507 6% 2% Deposits 1,19,687 1,06,746 1,16,636 12% 3% Borrowings 14,877 12,793 15,225 16% (2%) Other Liabilities 6,355 5,
Slide 11: Deposits Profile
Deposits Profile Deposit Composition Segment Composition Average CASA 106,753 110,944 112,734 116,667 119,721 106,753 110,944 112,734 116,667 119,721 29.5% 29.7% 28.0% 28.5% 26.4% 72,736 74,475 17.9% 17.6% 17.4% 16.7% 16.1% 73,058 76,120 79,498 82,749 67,350 69,402 70,574 71,731 20,340 19,958 18,907
Slide 12: Advances Profile
Advances Profile Net Advances Composition Non-Funded Composition 90,412 92,618 94,431 100,529 103,086 19,713 20,860 20,375 22,568 23,351 25,679 25,943 26,204 7,099 7,475 27,542 26,130 6,047 6,242 5,930 29,573 30,946 34,188 34,407 27,657 35,213 36,915 37,807 40,397 42,475 13,666 14,618 14,445 15,469
Slide 13: Asset Quality
Asset Quality Q2 FY26 Q3 FY26 Wholesale Credit JLG Secured Total Wholesale Credit JLG Secured Total Cards & Retail Cards & Retail Personal Personal Loans Loans Opening Balance 482 314 1,288 602 2,686 335 412 1,027 604 2,378 (+) Additions during 5 549 235 135 925 11 574 157 167 909 the period (-) Upg
Slide 14: Shareholding Pattern & Rating Profile
Shareholding Pattern & Rating Profile Shareholding by category (%) Ratings Instrument Rating 1.2 1.4 5.9 ICRA AA- (Rating continues on watch with positive implications) 26.1 (Re-affirmed dated Dec 16, 2025) Basel III compliant Tier II bonds 21.9 CARE AA- (Placed on Rating Watch with Positive Implica
Slide 15: Retail Banking Business Updates
Retail Banking Business Updates
Slide 16: Retail Banking
Retail Banking Retail Assets Retail Liabilities 10% YoY 11% YoY 60,131 60,611 56,625 42,774 44,084 46,521 48,435 50,131 55,199 55,703 59% 24,576 25,318 24,053 24,300 24,344 61% 60% 60% 60% Share of Total Net Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 Advances CASA TD Core
Slide 17: Distribution Network and Deposit Composition
Distribution Network Branches BC Branches ATMs Customers 580 1341 415 15.11 Mn 600+ districts, servicing 18,000+ pincodes Chandigarh 4 2 16 New Delhi 58 Retail Liabilities: Constitution wise Metro & GIFT 2 BANK LEVEL DEPOSIT COMPOSITION 20 Individuals/HUF 91,029 76% 4% 17 26 7% 1 Urban 6 FI/Banks/Go
Slide 18: Credit Cards Business Volumes
Microfinance Distribution Network Credit Cards Growth & Market Share Source RBI Data Nov’24 Nov’25 RBL Industry RBL Industry 4.45 M 114.87 M CIF 5.11 M 107.24 M 13% 7% 6,803 Cr 1,89,118 Cr Spends* 6,803 Cr 1,69,705 Cr 0% 11% # 17,227 Cr 2,96,070 Cr Advances 17,493 Cr 2,88,997 Cr 2% 2% Business Volum
Slide 19: Credit Cards Portfolio Trends
Microfinance Credit CardsDistribution Network Portfolio Trends Cards in Force and New Acquisition (Mn) Total Spends (Rs. In crore) 5.04 4.83 22,174 21,720 4.69 4.60 21,105 21,168 21,446 4.47 0.29 0.26 0.22 0.21 0.19 Q3'FY25 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Q3'FY25 Q4'FY25 Q1'FY26 Q2'FY26 Q3'FY26 Cust
Slide 20: JLG Update
JLG Update Gross AUM (Rs. In crore) Disbursements (Rs. In crore) Proportion of 43% 90% 98% 100% 100% Disbursal covered 7,819 6,975 6,645 6,674 7,119 by CGFMU 854 792 1,207 1,710 2,091 12% 12% 11% 11% 10% 12% 11% 9% 10% 8% 80%+ Standard Advances as of 88% 88% 89% 89% 90% Dec 25 covered 88% 89% 91% 90
Slide 21: Business Banking Group (BBG)
Key Business Loans Segments ~ 10,900 740+ 1.20 Crs ~ 3300 750+ 24 lacs ~ 1,008 RANK 4 ~ 3 Crs Customers AVG. Refresh Customers AVG. Refresh Customers AVG. CMR ATS ATS ATS CIBIL CIBIL Old Book* proportion@ 11% Gross Advances (₹crore) Gross Advances (₹crore) Gross Advances (₹crore) 752 11,699 581 2,51
Slide 22: Affordable and Prime Housing Loan
Housing 750+ 64% ~ 22 lacs 770+ 60% ~ 74 lacs ~8,300 ~ 5,900 Customers AVG. Refresh AVG. LTV ATS AVG. Refresh AVG. LTV ATS Customers CIBIL CIBIL Gross Advances (₹crore) Gross Advances (₹crore) 2,429 2,593 2,820 5,927 5,960 5,942 5,961 2,310 AFFORDABLE HOUSING LOAN 2,142 5,777 PRIME HOUSING LOAN 10.0
Slide 23: Used Car & Two Wheeler
Wheels New Tractor – Land Base and Commercial Geographical Geographical Used Tractor - Land Base and Commercial All type New & Used car (Petrol & Diesel) Presence Presence Harvester, Power tiller & All types of Farm & New Two-Wheeler (Petrol) Product equipment (Used Car and Ranges 308 Districts Prod
Slide 24: Retail Agri & Gold
Retail Agri & Gold ~ 27,350 Sourcing Mix ~ 10,100 Geographical Presence Customers 97% from open market or existing Customers Sourced through 451 Branches across 24 customer reference States & UT’s Geographical Presence 3% sourcing is from BC partner & Co- lending partner ~ 5.3 lacs ATS 176 Branches
Slide 25: Wholesale Banking Business Updates
Wholesale Banking Business Updates
Slide 26: Wholesale Banking Contribution
Wholesale Banking Corporates Commercial and Supply Chain Financial Institutions Other niche segments Gross Advances Contribution (Dec 2025) 43% 33% 16% 9% Institutional Real Estate & Gems & New Co-operative Tech & Transaction MNCs Digital ecosystem Finance Infrastructure Jewellery Economy Banks Larg
Slide 27: Wholesale Banking
Wholesale Banking Note: NII is basis Reducing Dependence on Asset Led Revenues Low Slippages and Recoveries result in low credit costs internal methodology 16 6 19 3 & FTP 0 1 150 153 162 164 180 Q3FY25 Q4FY25 Q1FY26 Q2FY26 Q3FY26 116 (15) (10) (9) 151 159 109 133 71 72 81 80 111 Q3FY25 Q4FY25 Q1FY2
Slide 28: ESG
ESG
Slide 29: 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. Financial literacy: Policy stipulation for managing Bank’s own E&S • Bank runs financial literacy program with NGO part
Slide 30: Digital Banking Updates
Digital Banking Updates
Slide 31: Digital Banking Snapshot
Digital Banking Snapshot… 4.4 ~9.4 Cr. ~3.66 L Monthly Avg Transaction Volume Files processed in Q3 through Mobile App Ratings (Inward/Outward) e sign/stamp platform D2C 18% 77% 5% IMPS UPI RTGS & NEFT 100% 260+ 7 L+ 1.5 L Penetration of APIs exposed to Average Daily API E-sign in MFI corporates & T
Slide 32: Key Digital enablement initiatives over the last quarter
Key Digital enablement initiatives over the last quarter… Digital/DIY Journeys across liability and asset Multi-pronged delivery leveraging our partnership base Distinctive Capabilities portfolios, WhatsApp banking in the following areas Acquiring services to Payment Aggregators GIFT CITY • MMAD Pay
Slide 33: Payments Architecture 2.0
Payments Architecture 2.0 Open Banking is the fulcrum to deliver payment product and services across B2B and B2B2C) Open Banking Forex UPI • Payout • Rate Fetch • Collection • Forex Conv. • Alerts Merchant • Alerts Acquiring Embedded Services • Multi Wallet Card • Settlements • EMS • Merch. Payouts
Slide 34: Digital Payments Strategy – Reimagine to think 360o
Digital Payments Strategy – Reimagine to think 360o Build a customer centric partnership franchise by offering a scalable payments platform and create an inorganic acquisition funnel through partnership A B C Grow Existing Leverage Partnerships Comprehensive Digital Suite Franchises funnel for acqui
Slide 35: Curated & Expansive Digital Interface
Curated & Expansive Digital Interface Retail Customers Onboarding DIY BYOD Transaction & WhatsApp Banking Website Services RBL Cares Chatbot Retail Internet Banking RBL Suvidha App SMS & IVR Banking RBL MyBank, MyCard, Diplomat App Internal Businesses Corporate Customers Enablers Account Aggregator
Slide 36: Digital Partnerships
Digital Partnerships… Strategic fintech partnerships enabling expanded reach & new acquisition channels. Our open architecture (API Led) partner first approach focuses on Innovation & Co-creation for superior customer experiences. Corporate BCs Transit, Co-Branded Cards TPAPs & Large Merchants Fx En
Slide 37: Continuous enhancements across digital channels, lending, collection & onboarding
Continuous enhancements across digital channels, lending, collection & onboarding… International Money Transfer (LRS) through BBPS for Agri and Asset. Bizbank 2.0 MyBank. R Collect - Credit Card collection Download Statement of account & Interest Enablement of Simplified IMPS – RIB journ
Slide 38: Marketing and CSR Updates
Marketing and CSR Updates
Slide 39: Launch of NOVA & LUMIÈRE Credit Cards & Other Key Launches
Launch of NOVA & LUMIÈRE Credit Cards & Other Key Launches 38
Slide 40: Other Key Launches
Other Key Launches Primario Multi-Wallet Card • A multi-wallet NCMC enabled Prepaid card with expense management solution • Customizable for Corporate Needs • Offers Tax Saving Benefits • Offers functionality of analytics and reporting Revelio Savings Account & Debit Card • Advantage Savings Account
Slide 41: Awards & Recognition
Awards &Awards & Recognition Recognition IBA Technology Awards & Conference • Winner– Best AI & ML Adoption • Winner– Best Tech Talent • Special Mention – Best Digital Sales 40
Slide 42: CSR Initiatives
CSR Initiatives Har Ghar Diwali: Spreading Light & Joy Across 1,000 Homes This Diwali, the Bank brought festive cheer to families in 1,000 homes across cities in India by distributing 15,000 kg of groceries 41
Slide 43: CSR Initiatives
CSR Initiatives Shri. Ganesh Joshi, Hon’ble Cabinet Minister, Government of Uttarakhand, graced the Bank’s flagship CSR initiative UMEED. 300 bicycles and school kits were distributed to girl students in Dehradun, promoting access to education. 42
Slide 44: Annexures
Annexures
Slide 45: Board of Directors
Board of Directors Mr. Chandan Sinha Mr. R Subramaniakumar Non-Executive Independent Director (Part Time Chairman) Managing Director and CEO Previously, Executive Director, RBI. Career – Central Banker for A veteran banker with 40 years of experience; Previously, associated with PNB, Indian 35 years
Slide 46: Management Team
Management Team Mr. R Subramaniakumar Mr. Rajeev Ahuja Managing Director and CEO Executive Director A veteran banker with 40 years of experience; Previously, associated with PNB, Previously, associated with Citibank India, Bank of America, India and Bankers Indian Bank and Indian Overseas Bank Trust
Slide 47: Management Team
Management Team Mr. Ravi Pichan Mr. Prakash Gupta Chief Information Officer & Head - Digital Banking Unit Chief Compliance Officer Previously, associated with Larsen & Toubro Infotech, Capgemini, Barclays & Bank of Previously, associated with Barclays, Credit-Suisse and Rabobank America Mr. Kamal Sa
Slide 48: Historical Performance
Historical Performance Particulars FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 9M FY26 Net Worth 2,224 2,960 4,242 6,544 7,336 10,290 12,254 12,006 12,996 14,206 14,930 15,732 Deposits 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 84,887 103,494 110,944 119,721 Advances (Net
Slide 49: Thank you
Thank you 48