Rbl Bank Ltd. · NSE:RBLBANK
Rbl Bank — Q1 FY26 Earnings Presentation
43 slides from Rbl Bank's earnings presentation, Jul 19, 2025
Slide 1: Investor Presentation Quarter Ended June 30, 2025
Investor Presentation Quarter Ended June 30,2025 July 19,2025
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
Key Highlights • Net Profit was Rs. 200 crore for Q1 FY26 Operating • Net Interest Income (NII) for Q1 FY26 de-grew 13% YoY to Rs. 1,481 crore; NIM was 4.50% Performance • Other Income for Q1 FY26 grew 33% YoY to Rs. 1,069 crore • Operating Profit for Q1 FY26 de-grew 18% YoY to Rs. 703 crore • Advan
Slide 4: Financial Performance Summary
Financial Performance Summary Net Interest Income Other Income Core Fee Income Net Total Income 1,700 1,073 1,069 968 1,615 1,000 871 2,658 1,585 1,563 927 822 793 2,542 2,563 2,550 1,481 805 769 2,505 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25
Slide 5: Financial Performance Summary
Financial Performance Summary GNPA/ NNPA Slippages PCR Credit Cost (bps) 59 80 139 93 50* 1.50% 89.02% 84.03% 2.92% 82.17% 0 2.88% 2.78% 2.69% 2.60% 1.19% 1.21% 73.13% 72.98% 1.18% 1.15% 0 0.95% 0.99% 0.86% 0.81% 1 0.63% 5 5 132 0.74% 0.79% 108 0.53% 0.45% 82 0.29% 56 41 -2 -3 6 3 -15 Q1FY25 Q2FY25
Slide 6: Profit & Loss Statement
Profit & Loss Statement Particulars Q1 FY 26 Q1 FY 25 Q4 FY 25 Q1 YoY Growth Q1 QnQ Growth Interest Income 3,441 3,496 3,476 -2% -1% Interest Expense 1,960 1,796 1,913 9% 3% • Net Interest Income impacted by external Net Interst Income 1,481 1,700 1,563 -13% -5% benchmark resets and lower proportion
Slide 7: Balance Sheet
Balance Sheet Particulars June 2025 June 2024 March 2025 YoY QoQ Liabilities Capital 609 606 608 0% 0% Reserves and Surplus 15,223 14,673 14,999 4% 1% Deposits 1,12,734 1,01,352 1,10,944 11% 2% Borrowings 14,862 13,577 13,734 9% 8% Other Liabilities 5,399 5,576 6,441 (3)% (16%) Total 1,48,826 1,35,7
Slide 8: Deposits Profile
Deposits Profile Deposit Composition Segment Composition Average CASA 101,352 107,959 106,753 110,944 112,734 101,352 107,959 106,753 110,944 112,734 29.3% 28.9% 29.5% 29.7% 28.0% 73,058 76,120 67,368 69,402 70,574 71,735 71,731 63,393 67,350 17.6% 68,349 18.2% 17.8% 17.9% 17.4% 18,186 19,661 20,340
Slide 9: Advances Profile
Advances Profile Funded Net Advances Composition Non-Funded Advances Composition 86,704 87,882 90,412 92,618 94,431 18,615 19,413 19,713 20,860 20,375 27,542 26,130 25,679 28,636 28,391 6,242 5,930 5,453 5,524 6,047 27,657 29,573 30,946 25,101 26,332 13,161 13,889 13,666 14,618 14,445 32,968 33,160
Slide 10: Asset Quality
Asset Quality Q4 FY25 Q1 FY26 Wholesale Credit JLG Secured Total Wholesale Credit JLG Secured Total Cards & Retail Cards & Retail Personal Personal Loans Loans Opening Balance 873 364 922 541 2,701 463 280 1,222 500 2,465 (+) Additions during 4 479 472 102 1,058 21 523 318 197 1,060 the period (-) U
Slide 11: Shareholding Pattern & Rating Profile
Shareholding Pattern & Rating Profile Shareholding by category (%) Ratings 1.5 Instrument Rating 11.9 ICRA AA- (Stable) (Re-affirmed dated Aug 13, 2024) 30.7 Basel III compliant Tier II bonds CARE AA- (Stable) (Re-affirmed dated Sept 30, 2024) 17.6 ICRA A1+ (Re-affirmed dated Aug 13, 2024) 3.5 Certi
Slide 12: Retail Banking
Retail Banking Business Updates
Slide 13: Retail Banking
Retail Banking Retail Assets Retail Liabilities 5% YoY 12% YoY 56,625 55,703 40,016 42,569 42,774 44,084 46,521 54,723 55,199 24,799 24,576 25,318 24,053 23,377 53,737 60% 62% 61% 60% Share of 62% Total Net Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 Advances CASA TD Retail
Slide 14: Distribution Network
Distribution Network Branches BC Branches ATMs Customers 562 1474 415 15.17 Mn 600+ districts, servicing 18,000+ pincodes Chandigarh 4 2 16 New Delhi 58 Retail Liabilities: Constitution wise BANK LEVEL DEPOSIT COMPOSITION Metro & Gift 19 2 Individuals/HUF 84,510 75% 4% 15 24 7% 1 Urban 6 FI/Banks/Go
Slide 15: Credit Cards Business Volumes and Market Share
Microfinance Distribution Network Credit Cards Growth & Market Share Source RBI Data May’24 May’25 RBL Industry RBL Industry 4.74 M 111.20 M CIF 5.23 M 103.30 M 10% 8% 7,443 Cr 1,90,183 Cr Spends* 7,515 Cr 1,65,395 Cr 1% 15% 17,107 Cr# 2,90,678 Cr Advances 17,162 Cr 2,67,979 Cr 0.5% 8% (June 25) Bus
Slide 16: Credit Cards Portfolio Trends
Microfinance Credit CardsDistribution Network Portfolio Trends Cards in Force and New Acquisition (Mn) Total Spends (Rs. In crore) 5.26 5.22 5.04 22,174 4.83 21,625 21,887 21,720 4.69 21,105 0.39 0.37 0.26 0.22 0.19 Q1'FY25 Q2'FY25 Q3'FY25 Q4'FY25 Q1'FY26 Q1'FY25 Q2'FY25 Q3'FY25 Q4'FY25 Q1'FY26 Cust
Slide 17: JLG Update
JLG Update Gross AUM (Rs. In crore) Disbursements (Rs. In crore) Proportion of Disbursal covered 25% 43% 90% 98% by CGFMU 9,451 8,733 7,819 6,975 6,645 1,489 1,096 854 792 1,207 9% 11% 12% 11% 9% 12% 12% 12% 12% 11% 45% of Standard Book as of June 25 91% 89% 89% 91% 88% 88% 88% 88% 89% 88% covered b
Slide 18: Business Banking Group (BBG)
Key Business Loans Segments ~ 10,000 735+ 1.14 Crs ~ 2,000 750 22 lacs ~ 700 RANK 4 ~ 4 Crs Customers AVG. Refresh Customers AVG. Refresh Customers AVG. CMR ATS ATS ATS CIBIL CIBIL Old Book* proportion@ 17% Gross Advances (₹crore) Gross Advances (₹crore) Gross Advances (₹crore) 9,068 395 8,738 312 1
Slide 19: Housing Loans
Housing 750+ 63.55% ~ 21 lacs 770+ 60.26% ~ 73 lacs ~7,000 ~ 13,000 Customers AVG. Refresh AVG. LTV ATS AVG. Refresh AVG. LTV ATS Customers CIBIL CIBIL Gross Advances (₹crore) Gross Advances (₹crore) 2,429 AFFORDABLE HOUSING LOAN 2,142 2,310 1,854 1,975 5,442 5,777 5,927 5,960 4,774 PRIME HOUSING LO
Slide 20: 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 308 Districts Product 333 Districts (Us
Slide 21: Retail Agri & Gold
Retail Agri & Gold ~ 24,000 Sourcing Mix ~ 7,100 Geographical Presence Customers 99% from open market or existing Customers 492 Branches across 26 States & UT’s customer reference Geographical Presence 1% sourcing is from BC partner & Co- Sourcing Mix lending partner 100% Branch driven product 170 B
Slide 22: Wholesale Banking
Wholesale Banking Business Updates
Slide 23: Wholesale Banking Contribution
Wholesale Banking Corporates Commercial and Supply Chain Financial Institutions Other niche segments Contribution (June 2025) Advances 44% 33% 15% 8% Institutional Real Estate & Gems & New Co-operative Tech & Transaction MNCs Digital ecosystem Finance Infrastructure Jewellery Economy Banks Large val
Slide 24: 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 & FTP 16 6 19 126 148 150 153 162 3 112 Q1FY25 Q2FY25 Q3FY25 Q4FY25 Q1FY26 144 151 159 109 (29) (2) (19) (3) (15) 78 69 71 72 81 (136) Q1FY25 Q2
Slide 25: ESG
ESG
Slide 26: 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 27: Digital Banking Updates
Digital Banking Updates
Slide 28: Digital Banking Snapshot
Digital Banking Snapshot… 4.4 17 Cr. ~2.49 L Mobile App Ratings Monthly Avg Transaction Volume Files processed in Q1 (Inward/Outward) through e sign/stamp D2C 25% 72% 3% platform IMPS UPI RTGS & NEFT 100% 260+ 11 L 1.7 L Penetration of APIs exposed Average Daily Monthly VKYC E-sign in MFI to corpora
Slide 29: Key Digital enablement initiatives over the last quarter
Key Digital enablement initiatives over the last quarter… Digital/DIY Journeys across liability and asset portfolios, Key Enablement… Distinctive Capabilities WhatsApp banking Multi-pronged delivery leveraging our partnership base ~3.9K 0.23% RBL 4th Rank in the industry Loan applications RBL MoBank
Slide 30: RBL MyBank – One App, One Experience
RBL MyBank – One App, One Experience, Endless possibilities What’s new… RBL MoBank is now RBL MyBank All-in-One Banking Single Unified app for all retail banking needs — Accounts, Deposits, Credit cards, Loans and Investments. Personalized Dashboard A Dynamic Front Page tailored to each customer’s e
Slide 31: Curated & Expansive Digital Interface
Curated & Expansive Digital Interface 31
Slide 32: Digital Partnerships
Digital Partnerships… Strategic fintech partnerships will enable us to digitize client journeys, expand our reach, and create new acquisition channels Transit, Co-Branded Cards TPAPs & Large Merchants Fx Entities Corporates Payment Aggregators Corporate BCs & PPI Escrow 32
Slide 33: Continuous enhancements across digital channels
Continuous enhancements across digital channels… Bill Pay enhancements & additional biller categories - MyBank , RIB, CIB PG - Net Banking Integration with Ease buzz - CIB 37 Days credit card activation - WhatsApp Banking Telangana & Karnataka State Tax payments - RIB PMJJBY & PMSBY Journeys - RIB 8
Slide 34: Awards & Recognition
Awards & Recognition
Slide 35: Awards & Recognition
Awards & Recognition Brand Finance India Infosys Finacle Innovation Two Gold awards for the Indian Awards 2025 Oil RBL Bank Xtra Credit Card Campaign • Winner in the Cyber Security • Featured among the • Platinum Winner for the Future • ACEF 2025 Award under the Incident Response and Top 100 Brands
Slide 36: Annexures
Annexures
Slide 37: 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 38: 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 39: Management Team
Management Team Mr. Vishal Kukreja Mr. Prakash Gupta Head - Human Resources Chief Compliance Officer Previously, associated with Dhanalakshmi Bank, HDFC Bank Previously, associated with Barclays, Credit-Suisse and Rabobank Mr. Ravi Pichan Mr. Abhijit Somvanshi Chief Information Officer & Head - Digi
Slide 40: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement Particulars Q1 FY26 Q1 FY25 Q4 FY25 FY 25 FY 24 Income Interest Earned 3,441 3,497 3,477 14,041 12,394 Interest Expended 1,960 1,796 1,913 7,576 6,350 Net Interest Income 1,481 1,701 1,564 6,465 6,044 Other Income 1,071 775 1,001 3,778 3,060 Total Income 2,552 2,
Slide 41: Consolidated Balance Sheet
Consolidated Balance Sheet Particulars June 2025 June 2024 March 2025 Liabilities Capital 609 606 608 Reserves and Surplus 15,299 14,693 15,062 Deposits 1,12,700 1,01,341 1,10,933 Borrowings 14,863 13,578 13,735 Other Liabilities 5,383 5,580 6,435 Total 1,48,855 1,35,798 1,46,772 Assets Goodwill on
Slide 42: Historical Performance
Historical Performance Particulars FY 15 FY 16 FY 17 FY 18 FY19 FY20 FY21 FY22 FY23 FY24 FY25 Q1 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 15,158 Deposits 17,099 24,349 34,588 43,902 58,394 57,812 73,121 79,007 84,887 103,494 110,944 112,734 Advances (Net
Slide 43: Thank you
Thank you 43